Who we fund
Wholesale and Distribution Financing for Inventory and Receivables
Yes, wholesalers and distributors can get funding, and their inventory and receivables often make them good candidates for asset-based options. The main challenge is paying suppliers quickly while retail and business customers pay on longer terms.
Get matched: wholesale
The reality
Cash-flow challenges we hear every day.
Paying suppliers faster than customers pay you
Manufacturers may want payment on order or on short terms, while your retail and business customers expect net-30 to net-60. The gap grows as sales grow.
Large inventory investment
Distributors need enough stock to fill orders promptly, which ties up cash in warehouses and in transit.
Thin margins on volume
Wholesale margins are often slim, so the business depends on volume and efficient cash use. A slow-moving product line hurts quickly.
Big customers with strict requirements
Large retailers may impose chargebacks, deductions, and long payment terms, which cut into margins and delay cash.
Best-fit funding
Funding that fits wholesale.
Factoring invoices from retailers and business customers turns long payment terms into cash you can use to restock.
$10K–$5M‡1–3 days*An asset-based line of credit can be tied to inventory and receivables, so available credit grows as your business grows.
$10K–$500K‡1–3 days*A term loan fits planned investments like a warehouse expansion, a new delivery fleet, or warehouse management software.
$25K–$2M‡2–7 days*Working capital helps fund a large opening order for a new account or an opportunistic bulk purchase.
$10K–$1M‡24–72 hours*What lenders look for
Typical profile for wholesale.
Lenders usually look at accounts receivable aging, inventory reports, customer concentration, and financial statements. The creditworthiness of your customers matters a lot for factoring and asset-based lines.
Common uses of funds
- Buying inventory in bulk at better pricing
- Filling a large opening order for a new retail account
- Carrying receivables from slow-paying customers
- Expanding warehouse space or racking
- Adding delivery trucks or forklifts
- Implementing inventory and warehouse management software
Can I get a loan using my inventory as collateral?
Yes, inventory financing and asset-based lines use stock as collateral. Lenders typically advance a portion of inventory value depending on how quickly it sells.
Is factoring common in wholesale distribution?
Yes, factoring is widely used by distributors that sell to retailers or businesses on net terms.
How do I finance a large order from a big retailer?
Purchase order financing can pay your supplier, and factoring the resulting invoice can get you paid sooner. A line of credit is another option.
Do retailer chargebacks affect factoring?
They can. Factors may reduce advances for customers with frequent deductions, so it helps to track and dispute chargebacks promptly.
Funding for wholesale, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor