Brands to Retail is a Cleveland-area brand-management firm. The team brings more than 150 years of collective industry experience to building consumer brands, and the company has generated nearly $1 billion in cumulative retail sales to date. A growing share of that volume runs through Walmart, where Brands to Retail has built a multi-year supplier relationship.

As Walmart Purchase Orders grew past $1 million, the company needed a flexible working capital facility to fund production ahead of retailer payment cycles. Outstanding POs represented capital committed but not yet collected, and the team wanted to keep accepting orders without stretching cash flow or pausing growth.

PO-backed working capital is a specialized financing structure. It funds production and fulfillment ahead of retailer payment, which means the lender has to understand the supplier-retailer relationship, the in-flight order book, and the cash conversion cycle. Most traditional banks don't underwrite that way. The ones that do can take months to close, by which point an order window may have closed.

Bridge moved fast. From the first conversation, the team focused on the specifics that matter for PO financing: the strength of the Walmart relationship, the in-flight order book, and the cash conversion cycle. The team's description was simple: "Bridge was able to very quickly and easily help us secure the financing we needed. It's an extremely simple and easy process." Within weeks, Bridge had a $5 million working capital facility in place to finance Purchase Orders, structured around the company's growth rather than against it.

With the facility in place, Brands to Retail can keep accepting Walmart Purchase Orders, fund production ahead of payment, and keep growing without tapping equity or stretching cash. For Brands to Retail, the lesson was simple: a fast, fair process, capital that traditional banks would not have provided, and a partner who understood how to underwrite the deal.