Wholesale
Financing, Loans
& Funding
Last updated: July 2026
We provide personalized wholesale financing to distribution businesses nationwide: from bulk inventory purchasing to warehouse expansion and equipment upgrades.
Financing at a Glance
We Understand Wholesale Distribution
Wholesale businesses operate on thin margins, extended payment cycles, and large capital requirements for inventory. We build financing around these realities, not against them.
Bridge the Gap Between Orders and Payments
Wholesale businesses often operate on net-30 to net-60 payment terms while supplier invoices are due immediately. Working capital financing closes that gap so you can fulfill new orders without waiting on outstanding receivables.
Bulk Purchasing Power When You Need It
Supplier pricing rewards volume, and having capital available to buy in quantity directly improves your margins. A Line of Credit or working capital loan gives you the flexibility to purchase at the right time, not just when cash clears.
No Collateral Required for Most Products
Many wholesale businesses don't hold assets that qualify as traditional collateral. We evaluate financing based on your revenue performance, so you can access capital without pledging warehouse equipment, inventory, or personal assets.
Scales with Seasonal and Demand Cycles
Wholesale demand ebbs and flows. Our financing structures, including Revenue Advances and Lines of Credit, are designed to flex with your business cycle so you're never over-leveraged during slow periods or under-resourced when orders surge.
How Wholesale Financing Works
Apply Online in Minutes
Submit a brief application and connect with a dedicated Capital Advisor. Describe what your wholesale business needs, inventory capital, equipment, expansion, and they'll guide you from there.
Get a Decision
Your advisor reviews your business's revenue profile and presents a clear funding offer with transparent terms. Often a same-day decision, with no excessive paperwork or unnecessary delays.
Access Your Funds
Receive your funds as fast as 24 hours after accepting your offer. Buy inventory, upgrade warehouse infrastructure, expand operations, or cover any other business priority, immediately.
How to Use Wholesale Financing
Wholesale loans support inventory purchasing, operational expansion, and equipment upgrades, keeping your distribution business competitive and well-stocked.
Inventory Purchasing
Stock what your customers need before they need it. Wholesale financing ensures you can buy in quantity, take advantage of supplier pricing, and meet retail demand without capital constraints.
Expansion & Operations
Expand distribution territory, add warehouse space, grow your team, or invest in marketing, capital available without tying up reserves needed for inventory and daily operations.
Equipment & Infrastructure
Upgrade warehouse equipment, forklifts, packaging systems, refrigeration, and logistics technology to improve operational efficiency and fulfill larger order volumes.
Financing Options for Wholesale Businesses
From revolving inventory credit to lump-sum working capital, explore the products that fit your wholesale distribution operation.
Small Business Loan
Lump-sum working capital with no use restrictions. Cover inventory purchases, payroll, overhead, or any other wholesale distribution expense.
Learn MoreRevenue Advance
Upfront capital repaid as a percentage of your daily revenue, ideal for wholesale businesses with variable monthly order volumes and seasonal demand cycles.
Learn MoreEquipment Financing
Purpose-built for warehouse equipment, forklifts, packaging machinery, refrigeration, and logistics technology. Own the asset outright at the end.
Learn MoreLine of Credit
Revolving access to capital, draw for inventory purchases, repay when receivables clear, and draw again. The most flexible tool for ongoing wholesale operations.
Learn MoreTerm Loan
Long-term structured repayment for major planned investments, warehouse expansion, fleet acquisition, or significant operational infrastructure upgrades.
Learn MoreNot Sure? Ask Us.
Your Capital Advisor will review your wholesale business's revenue profile and recommend the financing structure that best fits your distribution operation.
Let's TalkCommon Questions
Stock More. Ship More.
Grow More.
Apply today and get a decision often within hours. Capital in hand within 24 hours of acceptance, so your wholesale business never misses an opportunity.