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Your Produce is Fresh. Your Cash Flow Shouldn't Be Stale.
We Keep Both Moving Smoothly.
Automated Financial Intelligence for Fresh Produce Companies
Faster Receivables. Smarter Payables. Customer Credit Insight.
Problem
Paying growers and packers while waiting weeks for grocery chain payments?
Every fresh produce business knows this perishable cash flow challenge:
Common Issues
Pay farmers and packers immediately upon harvest
Grocery chains and distributors pay 30-60 days later
Refrigeration and transportation costs hit right away
Seasonal cash flow swings strain operations
Can't commit to larger harvests without working capital
Solution
Get Up to 90% of Your Produce Invoices in 24 Hours
IncoXchange eliminates the cash flow gap between harvest costs and retailer payments, so you can grow your fresh produce business without seasonal capital constraints.
Built for Fresh Produce:
Your retailer relationships stay intact – we work behind the scenes
Credit-check grocery chains and distributors before large commitments
24-hour funding on approved invoices
Customers keep their payment terms – you get immediate cash flow
Focus on quality and distribution – not cash flow timing
Real Fresh Produce Success Story
50% Growing Partnership Expansion
A produce distributor specializing in Mexican vegetables expanded their growing partnerships by 50% after securing reliable cash flow. They could commit to larger harvests, pay growers promptly for premium quality, and fulfill bigger retailer orders without working capital constraints.
Expanded growing partnerships by 50% with confidence
Paid growers promptly for premium quality produce
Fulfilled bigger retailer orders without capital constraints
Fresh Produce-Focused Benefits
Immediate Harvest Capital
Up to 90%+ of retailer invoice value within 24 hours
Pay growers and packers immediately for best pricing
Cover refrigeration and transportation costs without delay
Smart Retailer Insights
Credit-check grocery chains and distributors before large orders
Avoid slow-paying or financially unstable buyers
Build relationships with creditworthy retail accounts
Seasonal Growth Opportunities
Scale operations during peak harvest seasons
Commit to larger volumes with grower confidence
Expand into new produce categories and regions
Meet holiday and seasonal demand spikes
Grower Relationship Management
Pay farmers immediately upon delivery
Negotiate better pricing with prompt payments
Secure premium quality through preferred partnerships
Lock in harvest commitments for peak seasons
Retail Market Expansion
Take on larger grocery chain orders with confidence
Offer competitive payment terms to win new accounts
Scale operations without traditional banking delays
Focus on freshness and quality, not payment timing
Cold Chain Optimization
Cover refrigeration costs without cash flow gaps
Invest in better transportation and storage
Reduce spoilage through improved logistics
Maintain quality standards throughout the supply chain
Perfect for Produce Businesses:
Fresh Vegetables
- • Leafy greens and salads
- • Tomatoes and peppers
- • Root vegetables and onions
- • Seasonal and specialty crops
Fresh Fruits
- • Citrus and tropical fruits
- • Berries and stone fruits
- • Apples and seasonal fruits
- • Organic and premium varieties
Value-Added Products
- • Pre-packaged salads and vegetables
- • Fresh-cut fruits and vegetables
- • Organic and specialty items
- • Private label produce
Seasonal Solutions
- • Peak season support
- • Holiday demand spikes
- • Off-season flexibility
- • Weather risk management
Simple Qualification for Produce Companies
Getting started is straightforward. We work with established fresh produce businesses who have consistent retailer invoicing.
6+ months in fresh produce business
$30K+ monthly invoicing to retailers/distributors
Established grower/supplier relationships
Credit approval process for retail customers
Fresh Produce Frequently Asked Questions
Get answers about our fresh produce funding solutions and how they work for your business.
View All FAQsDon't Let Payments Hold You Back.
Grow your business with predictable cash flow. Same-day funding, zero hidden fees, and complete control over your customer relationships.
Schedule a Demo Today