How are deductions and chargebacks handled?

Deductions are part of selling to grocery and distribution. Tell us how each account deducts, and how they are treated is agreed in writing before you sign.

We are a co-packer. Can we sell invoices to the brands we pack for?

Invoices to the brands you produce for are invoices to business customers, and that is what we look at. Tell us who they are and their terms on the first call.

Can we sell invoices to just one large retailer?

You choose which customers and which invoices to sell. We judge each invoice on your customers' strength, not only your own, so tell us who they are on the first call.

Is this invoice factoring?

Yes. You sell us the invoices you choose, as a true sale. The full terms are set out in writing before you sign.

What happens on the first call?

Thirty minutes with our US team about your customers and your invoices. Nothing is signed.

Serving businesses in Ohio

Your alternative financing solution for food and beverage producers.

Flexible finance that replaces rigid, old-style borrowing. Stop waiting 45 days to get paid.

Get started or call +1 646 692 0079

Three short screens, then a 30-minute introductory call.

For US businesses that invoice other businesses on terms.

Your customers pay indays

Without us45 days

With ConvertibillIn days.

Once you are approved and the invoice is verified.

The US team opens at 9am Eastern. Leave your details and we call you then.

A quick yes or a quick no.We tell you quickly whether we can work together.
A sale, not a debt.We buy your invoices outright.
A named person to talk to.People you can call on our US team, not a call centre.
By Credebt®.Part of the Credebt Group, trading worldwide since 2011.

Part of the Credebt Group. Trading worldwide since 2011.

Convertibill is the United States business of a group that finances trade across Europe, Africa, Asia and the Americas, with offices in Dublin, Athens and Birmingham. Check the group for yourself

of trade financed by the group: EUR 1.5b
financed in 2026 to date: EUR 61.33m
trading worldwide since: 2011

Credebt Group figures, checked 11-Nov-2026. They describe the group, not the terms of any US purchase.

Trades the group has financed.

From the Credebt Group's own record. These are group trades, not United States ones.

Wood cargo to China
Twenty-five years in timber, and nobody would fund him.
A timber veteran starting out on his own needed his first shipment financed. The group funded it.
Manganese ore to India
He had the ore and the buyers, but not the finance.
A metals trader with twenty years in the business had ore lined up in Africa. The group became his financing partner.
Livestock to Libya
The contract was signed. The ship and the paperwork were not.
A second-generation cattle dealer needed finance, shipping and documents. The group found the shipping partner and funded the trade.
A mine in South Africa
A mine to buy, and equipment to bring in.
A young company was buying a mine and importing its equipment from China. The group financed the purchase and the start of excavation.

We know how grocery gets paid.

You buy ingredients and packaging up front and run production weeks before the order ships. The retailer or distributor then pays on its own schedule, often short once deductions come off.

Who pays you

Grocery and supermarket chains
Natural and specialty distributors
Broadline foodservice distributors
Club and mass retailers
Restaurant and hospitality groups

What we work from

EDI purchase orders
Bills of lading and proof of delivery
Invoices with lot codes
Deduction and chargeback backup
Remittance advice

Three ways to work with us.

Use one on its own, or combine them.

Sell your invoices
Sell the invoices you choose to grocery chains, distributors and foodservice buyers, as a true sale, not a debt.
Get paid for your invoices
Pay your suppliers early
Credebt pays your ingredient, packaging or co-packer invoices early, and you pay Credebt on the terms you already have.
Get your suppliers paid early
Finance your equipment
Finance production lines, filling and packaging equipment and cold storage, with Credebt paying the supplier and every term in writing before you sign.
Get your equipment working

Four steps. You are paid when we buy.

Invoices are often paid later than the date they are due. You don't have to wait. See each step

1
Choose the accounts and invoices.
Pick the retailers or distributors, and the delivered invoices you want to sell.
2
Send the delivery paperwork.
Share the purchase order, invoice and proof of delivery. Deduction backup helps us read each account.
3
You're paid
You are paid when we buy the invoice, not when your customer pays.
4
Your customer pays Credebt
Your customer pays Credebt when the invoice falls due; how that is arranged with your customer is agreed with you before the first trade.

Why businesses choose Convertibill.

You choose what to sell.
Pick the customers and the invoices.
Judged on your customers.
The strength of the businesses that owe you counts, not only your own.
No blanket lien.
Nothing over your whole company.
Every term in writing.
You see each term and each charge before you sign.

Not borrowing. A sale.

We buy invoices you have already earned.

What you get	Bank borrowing	Convertibill
No blanket lien over the whole company	No	Yes
You choose which customers and invoices to sell	No	Yes
A true sale, not a debt	No	Yes
Judged on your customers’ strength, not only your own	No	Yes
Quick application and decision	No	Yes
Funded in days, once approved	No	Yes
Grows as your sales grow	No	Yes
Use it only when you need it	No	Yes
No monthly instalments	No	Yes

Built for businesses that are growing.

Say yes to the bigger order
Twice the order no longer means twice the wait.
Take on the new customer
A strong buyer on long terms becomes good news.
Hire ahead of the contract
Payroll is weekly. Your customers pay later. We close the gap.
Pay your suppliers on time
Suppliers paid on time give you their best terms.

Industries we serve.

Not listed? We still want to hear from you.

Questions your trade ask us.

Talk to our US team.

We talk to food and beverage producers who fund the ingredients, the run and the freight before the retailer pays.

Direct Dial

+1 646 692 0079

The US team opens at 9am Eastern. Leave your details and we call you then.

Get started

Three short screens, then a 30-minute introductory call.

Your alternative financing solution for food and beverage producers.

Part of the Credebt Group. Trading worldwide since 2011.

Trades the group has financed.

We know how grocery gets paid.

Who pays you

What we work from

Three ways to work with us.

Sell your invoices

Pay your suppliers early

Finance your equipment

Four steps. You are paid when we buy.

Choose the accounts and invoices.

Send the delivery paperwork.

You're paid

Your customer pays Credebt

Why businesses choose Convertibill.

You choose what to sell.

Judged on your customers.

No blanket lien.

Every term in writing.