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Your cash is tied up in stock and receivables while payroll, fuel and supplier invoices come due. We fund the gap: inventory, fleet, warehousing and working capital, in as little as 24 hours.
$50M+ funded
24-hour funding
$10K – $5M Loan Amounts
4.8 / 5.0 Trustpilot Verified
A wholesale or distribution business loan is any financing used by a company that buys goods in volume and resells or distributes them to retailers, businesses or other buyers. It is not one product: it’s a category that includes term loans, business lines of credit, inventory and purchase order financing, equipment financing, invoice factoring, SBA loans and revenue-based financing.
Which one is right depends on three things:
Most established distributors don’t use a single product. They run a stack: a line of credit for the operating cycle, equipment finance for the fleet, and factoring or PO financing when a large order lands. Matching the product to the point in the buy store ship collect cycle is the part that actually saves money.
Because distributors pay for inventory 30 to 90 days before they get paid for it. Wholesale and distribution is one of the most working-capital-intensive sectors in the US economy: you buy in bulk, warehouse it, ship it, then wait on net-30, net-60 or net-90 terms while suppliers, payroll, fuel and rent come due on their own schedule.
That timing gap is the whole problem, and it shows up the same way in almost every operation we fund:
Wholesale and distribution business loans exist to close that gap between paying for goods and collecting on them. What makes the underwriting different from a service business is that a distributor’s balance sheet strength is in the inventory and the receivables, assets a conventional bank is often slow to underwrite. We weigh revenue consistency, receivables quality and deposit history more heavily than credit score alone.
A wholesale or distribution business loan works in four steps: you apply with your revenue and bank history, a lender underwrites your cash flow along with your inventory or receivables, funds are disbursed as a lump sum or a revolving line, and you repay on a fixed schedule or as your invoices are collected. Approval commonly takes 24 to 72 hours for non-bank products and 30 to 90 days for SBA loans.
A single lump sum, repaid in fixed daily, weekly, or monthly payments over a set term.
What it costs: interest on the full amount borrowed.
Best for: one-time capital needs like a warehouse buildout or a fleet purchase.
Draws taken as needed against an approved limit, with the limit replenishing as you repay.
What it costs: interest on the drawn balance only, not the full limit.
Best for: the recurring operating cycle, including payroll, fuel, and supplier reorders.
Capital advances against specific stock or a purchase order, with the goods serving as collateral, repaid on sale of the inventory or per cycle.
What it costs: a fee per financing cycle.
Best for: an order larger than your current cash position.
Up to 90% of an invoice’s face value advances within about 24 hours, with the factor collecting from your customer and remitting the balance.
What it costs: a discount fee for each period the invoice stays open, so the true cost depends on how long your customer takes to pay.
Best for: turning net-30 to net-90 receivables into cash now.
The right financing option depends on what your Wholesale or Distribution Business needs the money for and how quickly you need access to capital. Here’s a side-by-side comparison of every funding product we offer Wholesalers & Distributors.
| Loan Type | Best For | Loan Amount | Term | Funding Speed | Min. FICO |
|---|---|---|---|---|---|
| Short-Term Business Loan | Bridging cash gaps, urgent inventory, seasonal stock | $10K – $500K | 3 – 24 months | 650+ | 550+ |
| Long-Term Business Loan | Warehousing, expansion, large capital projects | $25K – $2M | 2 – 10 years | 3–7 days | 650+ |
| Business Line of Credit | Revolving working capital, inventory, payroll | $10K – $500K | Revolving | 24–72 hours | 650+ |
| Inventory Financing | Bulk purchase orders, seasonal stock, supplier discounts | $25K – $5M | Per cycle | 24–72 hours | 650+ |
| Equipment Financing | Trucks, forklifts, racking, warehouse machinery | $25K - $5M | 2 - 7 years | 24-72 hours | 650+ |
| SBA 7(a) / 504 Loans | Real estate, large equipment, refinancing debt | $50K - $5M | 10 - 25 years | 30-90 days | 650+ |
| Invoice Factoring / Financing | Unlocking cash from net-30/60/90 receivables | Up to 90% of invoice value | Per invoice | 24–48 hours | 600+ |
| Merchant Cash Advance | Fast capital when credit is weak | $5K – $500K | 3 – 18 months | Same day | 500+ |
The right financing depends on where you are in the buy-store-ship-collect cycle.
Before product ships, capital is already going out the door. Bulk inventory purchases, supplier deposits, warehousing, racking, and material handling equipment all need funding well ahead of revenue. A term loan or inventory financing puts that capital in place so you can secure volume discounts, stock up for peak season, or take on a larger account without draining your operating reserves.
Day-to-day operations don’t pause between orders. Payroll, fuel, fleet maintenance, warehouse costs, and supplier reorders all run on a continuous cycle, often while you’re still waiting on receivables. A business line of credit gives you revolving access to working capital, so you can keep product moving, take on rush orders, and only pay interest on what you actually draw.
Product is delivered, the invoice is sent, and now the wait begins, often 30 to 90 days for net-term accounts. Invoice factoring converts those outstanding receivables into immediate cash, advancing up to 90% of invoice value so you can fund the next purchase order without your buyer’s payment terms dictating your growth.
Anything that keeps your operation running or growing. The most common uses we fund:
A short-term loan delivers a lump sum quickly, usually within 24-48 hours, and is repaid over 3 to 24 months through daily or weekly automated payments. It’s the most common solution when a distributor needs to move fast on inventory, fulfill a large purchase order, or cover an unexpected expense.
Best for: Inventory pushes, emergency fleet repairs, bridging short payment gaps, seasonal demand spikes.
Long-term loans provide larger amounts (up to $2M) with extended repayment over 2 to 10 years. The longer term means lower monthly payments, making this ideal for significant capital projects that pay off over time.
Best for: Warehouse expansion, new distribution centers, fleet buildouts, refinancing high-cost debt.
Business Line of Credit gives you a pre-approved credit limit you can draw against as needed, and you only pay interest on what you use. Once you repay, the credit becomes available again. It’s the most flexible financing product available and works as a safety net for the unpredictable cash flow swings every distributor faces.
Best for: Inventory purchases, payroll smoothing, covering supplier invoices, recurring operating costs.
Invoice Factoring advances capital to buy stock, often tied to a specific purchase order, using the inventory itself as collateral. Because the goods secure the facility, approval leans on the strength of the order and the salability of the stock rather than credit score alone, which is why distributors with average credit can often access larger amounts here than through an unsecured product.
Best for: bulk purchase orders, seasonal stock-ups, capturing supplier volume discounts, fulfilling a contract larger than your current cash position.
Equipment Financing lets you purchase or lease the trucks, forklifts, racking, conveyors, and warehouse machinery your operation depends on, without tying up working capital. The equipment itself acts as collateral, which means easier approvals and competitive rates even for businesses with average credit.
Best for: Expanding your fleet, automating the warehouse, scaling capacity, replacing aging equipment.
SBA Loans (especially the SBA 7(a) and SBA 504) offer some of the lowest rates and longest terms available, backed partially by the U.S. Small Business Administration. The trade-off: they take longer to approve (30-90 days) and require strong documentation and credit.
Best for: Established distributors buying warehouse real estate, refinancing high-cost debt, or making major capital investments. The SBA 504 program is specifically designed for fixed assets like commercial property and heavy equipmen
If you’re sitting on $200K of unpaid net-30, net-60, or net-90 invoices, you don’t have to wait to get paid. Invoice Factoring advances you up to 90% of the invoice value within 24 hours, and the factoring company collects payment from your customer.
Best for: Distributors with large commercial buyers who pay slowly. Especially powerful when one or two big accounts represent a large share of revenue.
Cover upfront costs for bulk stock and supplier orders while keeping product flowing to buyers.
Buy, replace, or upgrade delivery trucks, vans, and fleet vehicles without draining working capital.
Support payroll, hiring, and training for warehouse, driver, and sales teams as you grow.
Fund larger facilities, added storage, racking, and new distribution locations.
Get the capital needed to fulfill bigger contracts and win larger accounts.
Turn unpaid invoices into working capital while waiting for net-30/60/90 customers to pay.
Take advantage of volume and early-payment discounts by buying bulk with available capital.
Invest in inventory software, ERP systems, barcoding, and warehouse automation that boost efficiency.
We work with wholesalers and distributors across every product category:
Don’t see your category? We’ve likely funded it. Talk to a specialist.
Banks may offer lower rates on paper, but their approval process is built for businesses that don’t actually need the money. Here’s how we compare:
Qualification varies by product, but here’s what most of our wholesale and distribution clients need to qualify:
What Wholesale & Distribution Owners Are Saying About Us
A guided process that respects your time. No faxing, no surprise documentation requests.
Share basic information about your business. No long forms or heavy paperwork.
We quickly review your information and deliver clear funding options, often within hours.
Once approved, funds are deposited into your account the same day.
As your business grows, additional funding and refinancing options are available when you need them.
A wholesale or distribution business loan is financing used by companies that buy goods in volume and resell or distribute them. It’s a category that includes term loans, lines of credit, inventory financing, equipment financing, invoice factoring, and SBA loans, each suited to different needs and timelines.
Many of our clients are funded in as little as 24 hours. Short-term loans, lines of credit, inventory financing, and merchant cash advances can fund same-day or within 48 hours, while SBA loans take longer (30-90 days) due to documentation requirements.
We offer financing from $10K to $5M, depending on your revenue, time in business, and the product you choose. Inventory financing, equipment financing, and SBA loans support the largest amounts, while short-term loans and lines of credit are ideal for smaller, faster needs.
A factor rate is a multiplier on the funded amount, not a rate per year. At a 1.30 factor, $50,000 funded means $65,000 repaid, a fixed $15,000 cost set the day it funds. An interest rate accrues over time, so repaying early reduces what you pay. Because a factor rate hides the term, the same factor can work out to very different annualized costs. Always convert to APR before comparing two offers.
Yes. Invoice factoring and invoice financing are built exactly for this. If your customers pay on net-30, net-60, or net-90 terms, we can advance up to 90% of your outstanding invoice value within 24 hours, so you don’t have to wait on receivables to fund your next order.
Yes. Many of our products accept FICO scores as low as 500. We weigh your revenue, receivables, and overall sales strength more heavily than credit alone. Merchant cash advances and revenue-based financing are designed specifically for owners with weak credit or short time in business.
Absolutely. Inventory financing is built for bulk stock and purchase orders, while equipment financing lets you purchase trucks, forklifts, and warehouse machinery with the equipment itself acting as collateral, meaning easier approvals and competitive rates.
No. It’s legally structured as a purchase of a portion of your future receivables, which is why it isn’t subject to state usury caps and why repayment flexes with your sales. That structure depends on a genuine reconciliation right, the ability to have remittance adjusted when revenue drops. Ask to see the reconciliation provision in writing before you sign.
Whether you need to buy inventory in bulk, expand your fleet or warehouse, bridge long net-term receivables, or take on a larger account, Committed to Capital has wholesale and distribution financing solutions built for how your business actually operates.
