Cash flow challenges every wholesale or distribution business faces
Large inventory purchases
The best supplier prices require large minimum orders.
Customer payment terms
Retail and business customers expect net terms, delaying cash collection.
Thin margins
Volume matters — missing a supplier discount can wipe out profit.
Common uses of wholesale or distribution business funding
- Bulk inventory purchases
- Supplier early-payment discounts
- Warehouse costs
- Delivery vehicles
- Payroll
- Bridging receivables
Why merchant cash advances fit Wholesale & Distribution
High-volume deposits make distributors strong candidates for larger revenue-based advances approved quickly.
Example: A food distributor depositing $250,000 a month can save 8% by paying a supplier upfront for a $100,000 order. A short-term advance can make that discount possible. (Illustrative example only; actual offers depend on underwriting.)
Requirements for wholesale or distribution business funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.
Wholesale & Distribution funding FAQs
How much funding can a distributor get?
Amounts are based on monthly revenue, so high-volume distributors can often qualify for larger advances.
Can I use funding to capture supplier discounts?
Yes. When the discount is larger than the funding cost, it can be a smart use of working capital.