Specialized Lending Partnership Beverage & Consumer Package Goods

BLUE – Intelligent Business Capital

A Specialized Lending Partnership for Beverage & Packaged Goods with Blue Ridge Bank & IBC delivering Intelligent Business Capital

Blue is a program offered jointly by Blue Ridge Bank and IBC specifically designed to support the needs of Beverage and CPG companies of all sizes. Through IBC’s industry expertise along with BRB’s sound credit and underwriting, the program has been designed to support the capital demands of established industry leaders and growing companies alike with the flexibility to the handle inventory and production challenges.

FUNDING ALTERNATIVE SOLUTIONS

INVENTORY FUNDING

PRODUCTION FINANCING

INVOICE FINANCING

PURCHASE ORDER FINANCING

WORKING CAPITAL

EQUIPMENT FINANCING

CLIENT ADVANTAGES

EFFICIENT ACCESS TO GROWTH CAPITAL

NON-DILUTIVE ALTERNATIVE TO COSTLY EQUITY CAPITAL

COST EFFECTIVE SOLUTIONS

TECHNOLOGY ENABLED INVENTORY FUNDING

PRESERVATION OF INTERNAL CAPITAL FOR SALES GROWTH AND MARKETING

FLEXIBILITY IN FACILITY STRUCTURES

Inventory Funding Features and Attributes

Frictionless

Off-balance sheet vehicle structured to fund 100%  of your inventory purchases. Aligned interest through a simple, revenue-share counterparty arrangement.

The Team

Seasoned team with nearly 400 years of collective, proven experience and 30+ years in asset-based lending through multiple credit-cycles.

Preservation of Capital

Sound credit and underwriting disciplines rooted in best practices and decades of experience in funding retail and consumer products companies through multiple credit cycles.

Targeted Opportunities

Focused on leading and emerging sellers and consumer brands across the digital shelf. Highest villosity inventory turn and re-deployment of capital is paramount.

Maximum Return

Off balance sheet vehicle is designed to maximize shareholder return and maximize gross margin dollars. Increasing GMROI serves to drive EBITDA and trading multiples to maximize enterprise value.

Safety & Soundness

Full transparency in an aligned strategy to maximize return and efficiency in capital deployment. Full leverage of tech enabled funding platform enables timely and forward looking decision making.

If you would like to explore an efficient and effective capital alternative to help build your business…
Let’s Talk

Blue Ridge Bank IBC Partnership

Andy Moser
EVP, National Specialized Lending

Joseph J Messina
President