Three things beverage businesses need.
Suppliers paid. Inventory financed. Wholesale collected. Complete cash flow control.
Pay Suppliers Without Draining Cash Reserves
- The Wallet Strategy: Steady sales? Pay grape growers, bottle suppliers, distributors from wallet—zero fees on eligible payments.*
- The Credit Card Strategy: Pre-harvest inventory buy? Pay with credit card—inventory arrives now, card due after harvest sales.
Impact
Never delay supplier relationships or harvest timing due to cash position
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Collect from Wholesale Accounts Efficiently
Send invoices to restaurants, bars, retailers with integrated payment buttons. They pay via ACH (zero collection fees to you*) or credit card. Payment terms tracked automatically. No more chasing net-30 accounts.
Impact
Wholesale receivables collected faster with zero friction
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Manage Seasonal Production Cash Flow
Wine and spirits production is seasonal. Revenue concentrated in release periods. Expenses spread year-round. Credit card option bridges timing gaps between production costs and sales revenue.
Impact
Maintain operations through entire production cycle
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Everything food businesses need.
Supplier & Grower Payments
Pay grape growers, cooperage suppliers, bottle manufacturers, cork suppliers, label printers. From wallet (zero fees on eligible*) or credit card (30-45 day float). Maintain relationships with consistent payment.
Wholesale Account Collections
Invoice restaurants, bars, retail accounts with integrated payment buttons. Collect via ACH (zero fees to you*) or credit card. Track net-30 terms automatically. Reduce collection time significantly.
Compliance & Licensing Payments
Federal excise taxes, state licensing fees, permit renewals, TTB bonds. Automate recurring compliance payments. Complete documentation for audit trails. Never miss regulatory deadline.
Production Inventory Financing
Pay for harvest supplies, barrels, bottles, labeling with credit card. Inventory acquired properly. Card payment due after production begins generating revenue. Strategic cash flow management.
Distribution & Logistics Payments
Pay distributors, freight companies, cold storage facilities, warehouse operations. Bulk processing for multiple logistics vendors. Zero fees on eligible wallet payments.*
Automated Payroll Processing
Process winery staff, tasting room employees, seasonal harvest workers, sales representatives. Automated recurring payroll. From wallet (zero fees on eligible*) or credit card during pre-revenue periods.
Built for the complete beverage industry.
Wineries & Vineyards
Your Reality: 12-18 month production cycle, harvest costs concentrated, aging inventory, wholesale accounts, tasting room revenue
What Zil Money Solves
- Credit card payment for harvest supplies before revenue arrives
- Pay grape growers and cooperage suppliers from wallet (zero fees on eligible*)
- Collect from wholesale accounts with zero ACH fees*
- Tasting room staff payroll automated
- Compliance payment tracking for TTB and state requirements
Craft Breweries
Your Reality: Shorter production cycle but continuous, hop contracts, can suppliers, distribution accounts, taproom operations
What Zil Money Solves
- Pay hop growers and malt suppliers from wallet or credit card
- Collect from distribution accounts efficiently
- Taproom and production staff payroll
- Equipment maintenance and repair payments
- Zero fees on eligible supplier payments from wallet*
Distilleries
Your Reality: Long aging cycles, grain suppliers, barrel cooperage, bottling operations, compliance heavy, wholesale relationships
What Zil Money Solves
- Credit card for grain purchases and barrel orders
- Pay cooperage and bottling suppliers from wallet (zero fees on eligible*)
- Federal excise tax payments automated and tracked
- Collect from wholesale accounts with zero fees on ACH*
- Complete compliance documentation
Wine & Spirits Distributors
Your Reality: Large inventory purchases, payment terms from producers, net-30 accounts with retailers, high transaction volume
What Zil Money Solves
- Pay producers and importers efficiently—wallet or credit card based on cash position
- Bulk payment processing for multiple producer relationships
- Collect from retail accounts with integrated invoicing
- Zero fees on eligible wallet payments* reduce transaction costs
- High-volume payment processing
Liquor Stores & Retail
Your Reality: Distributor payment terms, inventory turnover, seasonal demand spikes, wholesale supplier relationships
What Zil Money Solves
- Pay distributors from wallet (zero fees on eligible*) or credit card
- Credit card option for pre-holiday inventory buying
- Automated staff payroll
- Integration with retail POS systems
- License and compliance payment tracking
Importers & Exporters
Your Reality: International wire payments, customs fees, freight costs, currency considerations, producer relationships abroad
What Zil Money Solves
- International wire payment processing
- Pay customs and freight efficiently
- Producer payment coordination
- Complete documentation for international trade
- Currency transaction tracking
Good days use wallet. Tight days use credit card.
The Wallet Strategy (Post-Release/Strong Revenue)
When to Use: After harvest sales, after release period, during tasting room peak season, wholesale payments arriving
How It Works:
Wholesale accounts pay invoices via ACH → Funds to wallet (zero collection fees*)
Tasting room revenue deposits → Wallet balance
Pay suppliers from wallet → Zero fees on eligible payments*
Pay staff from wallet → Zero fees on eligible payroll*
Keep balance in wallet → Earn cash back on qualifying transactions*
Benefit: Revenue and expenses both optimized during strong periods
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The Credit Card Strategy (Production Cycle/Pre-Revenue)
When to Use: Harvest season, barrel purchases, bottling runs, pre-holiday inventory, aging period expenses
How It Works:
Pay harvest supplies with credit card → Production continues properly
Pay cooperage, bottling, labeling with card → Inventory completed
Card payments due 30-45 days → After initial sales begin
Earn rewards on production costs → Based on card terms
Benefit: Operational continuity maintained regardless of daily sales
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How beverage businesses use both strategies.
Harvest Season Supply Purchase
Situation: August. Harvest approaching. Need $75K in fermentation supplies, tanks, yeast, enzymes. Release season revenue won’t arrive until November.
Action: Pay suppliers with business credit card. Supplies secured. Harvest proceeds properly.
Outcome: Card payments due September-October. Harvest completes. Early release sales cover card payments. Production quality maintained.
Cooperage Barrel Order
Situation: March. Placing barrel order for next vintage. $45K for French oak. Vintage won’t sell for 18 months.
Action: Pay cooperage with credit card. Barrels ordered. Proper aging program maintained.
Outcome: Card payment due April-May. Spread over billing cycles if needed. Current vintage sales cover payments. Quality wine produced.
Wholesale Account Collections
Situation: 30 restaurant accounts on net-30 terms. Manual invoice follow-up consuming staff time. Collection averaging 45 days.
Action: Send invoices with integrated ACH payment buttons. Restaurants pay via ACH (zero fees to winery*).
Outcome: Average collection drops to 15 days. Zero collection fees. Staff time reclaimed. Cash flow improved significantly.
Pre-Holiday Inventory Build
Situation: October. Holiday season approaching. Distributors placing orders. Need to bottle, label, case $120K of inventory immediately.
Action: Pay bottling line, label printer, case suppliers with credit card.
Outcome: Inventory ready for holiday orders. Distributor payments arrive November-December. Card payments covered by holiday revenue.
Track regulatory payments automatically.
Federal Compliance
TTB Requirements
Federal excise tax payments tracked and documented. Complete audit trail for TTB compliance reviews.
Bond Payments:
TTB bond premium payments automated and recorded.
State Licensing
Multi-State Operations
Track license renewals across multiple states. Automated payment scheduling. Never miss regulatory deadline.
Permit Fees:
Production permits, tasting room licenses, distribution permits—all tracked centrally.
Complete Documentation
Audit Ready
Every compliance payment documented with date, amount, purpose, confirmation. Export reports for regulatory reviews or internal audits.
Works with beverage industry systems.
Winery Management Software
- WineDirect
- VineSpring
- Commerce7
- VinoShipper
Wholesale orders, tasting room sales, club memberships integrated
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Accounting Software
- QuickBooks
- Xero
- Sage
All payments automatically categorized by account, vintage, cost center
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POS Systems
- Square
- Toast
- Clover
Tasting room and retail sales synced automatically
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Inventory Management
Track payments against inventory purchases and production costs
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Secure payments for regulated industry.
SOC 2 Type II Certified
Independently audited security controls
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PCI DSS Compliant
Secure credit card processing
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Bank-Level Encryption
256-bit AES for all financial data
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FDIC Partner Banks
Banking services through FDIC member banks
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Complete Audit Trails
Every payment documented for regulatory compliance
What beverage businesses ask.
Zero fees apply to specific payment types made from your Zil Money Wallet balance. Not all payment methods and transaction types qualify. Complete eligibility requirements available at zilmoney.com/terms.
Yes. Pay suppliers with your business credit card via Zil Money—even if they don't accept cards. They receive payment via ACH or check. Your card payment due 30-45 days later. Standard credit card processing fees apply.
Credit card provides 30-45 day float on each purchase throughout production cycle. Spread production costs across multiple billing cycles. Revenue from releases covers card payments. Eliminates need for expensive working capital loans.
Send invoices with integrated payment buttons. When wholesale accounts pay via ACH to your wallet, you pay zero collection fees.* Keep funds in wallet to earn cash back on qualifying transactions.* Much faster than net-30 terms.
Yes. Tag every payment (TTB taxes, state licenses, permits) for compliance tracking. Generate reports showing all regulatory payments by date, amount, jurisdiction. Audit-ready documentation.
Yes. International wire payment processing available. Pay producers and importers abroad. Complete documentation for international transactions and customs requirements.
Process seasonal harvest workers, tasting room staff, cellar crew. Automated payroll from wallet (zero fees on eligible*) or via credit card during pre-revenue periods. Handle variable hours and temporary employees easily.
Transparent pricing for beverage operations.
What You Pay
Platform: Free to start
Wallet payments (eligible): $0 per transaction*
Credit card payments: Standard processing rates (typically ~2.9%)
Wire transfers: Competitive rates for domestic and international
Check mailing: $1.25 per check
What You Get
Zero fees on eligible wallet payments*
30-45 day credit card float for production costs
Zero ACH collection fees on wholesale accounts*
Compliance payment tracking
Complete production cycle support
Zero-fee eligibility requirements, credit card processing rates, terms, and conditions apply. Complete details at zilmoney.com/terms.
Traditional Approach
Delay supplier payments during production
Reduce quality to preserve cash
Expensive working capital loans at 8-12% interest
Chase wholesale accounts manually for net-30 payments
Zil Money Approach
Pay suppliers on time—wallet or credit card based on production timing
Maintain quality throughout production cycle
Credit card float replaces expensive loans
Wholesale accounts pay efficiently with zero collection fees*
✓ Zero Fees on Eligible Wallet Payments*
✓ Credit Card Production Financing
✓ Compliance Tracking Built-In
✓ SOC 2 Certified Security