🏬 Wholesale & Distribution
Business loans for wholesalers and distributors
The cash-flow reality
Why wholesalers and distributors need capital that moves fast
Distributors buy in volume, warehouse it and extend terms to their own customers. Cash is tied up in inventory and receivables at the same time, which is why working capital is a permanent part of the business.
Common uses of funding for wholesalers and distributors
- ✓Bulk inventory purchases
- ✓Warehouse space and racking
- ✓Delivery vehicles
- ✓Extending terms to large customers
- ✓Taking on a new product line
Which product fits a wholesale & distribution business?
Same-Day Working Capital
Short-term capital approved on deposits. Decision in minutes, funds as soon as today.
Revenue-Based Financing
Repay a small percentage of sales, so slow weeks cost less. Ideal for seasonal businesses.
Term Loans
Fixed payments over up to five years, rates from prime for qualified businesses.
Equipment Financing
Finance a specific machine or vehicle with the equipment as collateral.
Wholesale & Distribution funding FAQ
How much can a distributor qualify for?+
Up to $5,000,000 depending on monthly revenue. Most businesses qualify for roughly 70% to 120% of monthly deposits.
Can I use funding to extend terms to a big customer?+
Yes. Carrying a large customer's net-60 terms without starving your own cash flow is a common use.
What do wholesalers and distributors need to qualify?+
$20,000+ in monthly business revenue, 6+ months in business and a U.S. business bank account. Three months of bank statements are the only documents needed to start.
How much can a wholesale & distribution business get?+
From $10,000 to $5,000,000. Most businesses qualify for roughly 70% to 120% of their monthly revenue, with larger amounts for longer-term products.
Other industries we fund
- Trucking & Transportation
- Restaurants & Hospitality
- Construction & Contractors
- Medical & Dental Practices
- Retail Stores
- E-commerce & Online Sellers
- Auto Repair & Body Shops
- Salons, Spas & Barbershops
- Manufacturing & Machine Shops
- Landscaping & Lawn Care
- Professional Services
- Cleaning & Janitorial
- Gyms & Fitness Studios
- Agriculture & Farming
- Home Services (HVAC, Plumbing, Electrical)
Get funded as a wholesalers owner
Three minutes to apply. Three months of bank statements. A real decision in minutes from a direct lender.