Buy the inventory before it sells.
You pay suppliers up front to fill the warehouse while your retail buyers take net terms to pay you back. Serving wholesale distributors nationwide.
We know how wholesale businesses really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Inventory Financing
Turn inventory into working capital.
See terms & details →Purchase Order Financing
Fund the order before you're paid.
See terms & details →Invoice Factoring
Get paid now, not in 60 days.
See terms & details →Asset-Based Lending
Borrow against what your business owns.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeInventory ties up your working cash.
The fair fixFund bulk buys so you can stock fast-movers without draining your account.
The squeezeBuyers want terms, suppliers want cash.
The fair fixBridge the gap with fixed, predictable payments instead of a daily-debit MCA.
The squeezeA slow bank makes you miss buying deals.
The fair fixGet a decision in 24 to 48 hours and jump on volume pricing while it lasts.
What distributors use it for
Put the capital where it moves the needle most.
Bulk inventory
Trucks and forklifts
Payroll and staff
Bridging unpaid invoices
Marketing
Warehouse space
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for wholesale distribution
Run the numbers
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your wholesale business?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
