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$10K – $5M Loan Amounts
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Wholesale and distribution is one of the most working-capital-intensive industries in the U.S. economy. Unlike service businesses, distributors and wholesalers carry enormous amounts of cash tied up in inventory: they buy product in bulk, warehouse it, and ship it to buyers who pay on net-30, net-60, or net-90 terms, all while suppliers, payroll, fleet costs, and rent come due long before that money is collected.
That timing gap creates a problem every distributor knows too well:
Wholesale and distribution business loans solve the cash flow gap that sits between buying inventory and collecting payment. At Committed to Capital, we specialize in financing solutions designed around how distributors actually operate: fast approvals, flexible use of funds, and underwriting that values revenue strength over credit perfection.
A wholesale or distribution business loan is any form of small business financing used by a company that buys goods in volume and resells or distributes them to retailers, businesses, or other buyers. It’s not a single product, it’s a category of funding options that includes Term Loans, Lines of Credit, Inventory Financing, Equipment Financing, Invoice Factoring, and SBA loans.
The right wholesale or distribution loan depends on three things:
Because distribution ties up huge amounts of capital in inventory and receivables, most wholesalers don’t rely on a single financing product, they use a stack of solutions that match different needs across the buy-store-ship-collect cycle. We’ll help you figure out the right mix.
Wholesale and distribution business loans provide capital to cover the unique costs of moving product, bulk inventory, warehousing, fleet, labor, and the long gap between purchase orders and customer payment. Here’s how they typically work:
A lender reviews your revenue, time in business, credit profile, and purchase orders or accounts receivable to determine loan size and terms. Once approved, funds are disbursed as a lump sum (term loan), a revolving credit line you draw from as needed, inventory financing tied to specific stock, or invoice factoring against your unpaid receivables. You repay through fixed monthly installments, periodic draws, or as your invoices are collected, with interest calculated only on the amount used.
Distributors often use these loans to buy inventory at supplier discounts, finance delivery vehicles and warehouse equipment, bridge cash flow during long net-term cycles, or scale operations to win larger accounts. The right loan structure depends on whether your need is one-time, ongoing, inventory-specific, or tied to receivables.
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.
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 lets you purchase stock, often tied directly to a purchase order, without tying up working capital. The inventory itself can act as collateral, which means easier approvals and larger order sizes even for businesses with average credit.
Best for: Bulk purchase orders, seasonal stock-ups, securing supplier volume discounts, fulfilling large contracts.
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.
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.
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.
