Trade Payable Solutions
We pay your suppliers
so you can focus on
making wine.
Trade payable financing purpose-built for wine producers. Bridge the gap between production costs and buyer payments — without giving up equity or control.
The Challenge
Wine is a working capital intensive business.
You buy grapes, barrels, bottles, and labor months — sometimes years — before your buyer pays. Traditional lenders don’t understand wine production timelines. Your suppliers can’t wait, and neither should you.
How It Works
Simple. Transparent. Built for wine.
We sit in the middle of your supply chain — paying your vendors on time while you produce and sell your wine. When your buyer pays, we’re repaid.
You have a confirmed buyer.
You’ve secured a purchase commitment for your wine. You know who’s buying and when they’ll pay.
We pay your suppliers.
Grapes, barrels, bottles, labels, freight — we handle the trade payables so your vendors are paid on time and your production stays on track.
You make the wine.
Focus on what you do best. No chasing capital, no equity dilution, no disruption to your production timeline.
Your buyer pays. We’re repaid.
When your buyer settles, our financing is repaid. Clean, straightforward, and aligned with your actual cash flow cycle.
Why Wine Payables
Not a bank. Not an MCA.
A trade payable partner.
No Equity Dilution
This is trade payable financing, not an investment. You keep full ownership of your business, your brand, and your margins.
Wine Industry Timing
We underwrite to wine production cycles, not generic business loan timelines. Our terms match the reality of how wine gets made and sold.
Full Transparency
Clear terms, disclosed costs, no hidden fees. We comply with California’s commercial financing disclosure requirements because transparency is good business.
Supplier Relationships
Your vendors get paid on time or early. That protects your supply chain, strengthens your reputation, and can unlock better pricing.
Cash Flow Aligned
Repayment is tied to your actual buyer payment, not an arbitrary monthly schedule. Your financing matches your cash flow.
Fast & Flexible
Lightweight diligence focused on the transaction, not years of tax returns. If you have a confirmed buyer and real suppliers, we can move quickly.
Who We Serve
Built for wine producers who
need capital where it matters.
Custom Crush Operators
You make wine for multiple clients. You buy the supplies, front the labor, and wait for your clients to pay. We bridge that gap.
Negociant Brands
You source bulk wine, bottle under your label, and sell to distributors. We pay your bulk wine suppliers while you build your brand.
Estate Wineries
Harvest costs hit all at once. Barrel purchases, lab work, bottling — we smooth the cash flow so production never stops.
Get Started
Let’s talk about your
supply chain.
Whether you’re planning for harvest, scaling production, or managing a large purchase order, we’d like to understand your business and see if Wine Payables is the right fit.