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Wholesale distributor funding

Your buyer pays in 60 days. Your supplier wants payment now.

$25K to $500K. In your account within 36 hours. Direct funded. No credit pull.

See What You Qualify For
36HR Avg time to fund
$25K–$500K For wholesale distributors
No credit pull To apply
Direct Funder
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The real problems

You shipped the product. Your buyer's AP department hasn't opened the invoice yet.

Net-30 and net-60 terms sound professional until your supplier's invoice is due Friday and your buyer's check won't arrive for six more weeks.

Net-30/60 payment from buyers

You delivered $120K in product three weeks ago. The PO is signed. The buyer confirmed receipt. And the money is still sitting in their accounts payable queue for another 40 days.

$50K-$200K typical gap

Supplier MOQs don't negotiate

Your manufacturer requires a $75K minimum order. Your warehouse is running low. You have the buyer lined up but not the cash to place the order. The factory doesn't do payment plans.

Funded in 36 hours

Warehouse costs stack up

Rent, staff, forklifts, insurance. A 10,000 sq ft warehouse runs $8K-$15K a month before you move a single pallet. Slow-paying buyers don't cover those costs on your timeline.

$8K-$15K/month overhead

Seasonal bulk orders hit all at once

Q4 holiday inventory needs to be ordered in August. Back-to-school shipments start in May. You need $200K in product before you see a dime from the seasonal rush.

$100K-$500K seasonal orders
How it works

Apply today. Funded tomorrow.

We look at your distribution revenue, not your personal credit score. Most wholesale operations get a decision the same day.

01 Apply

60-second application

Business name, monthly revenue, time in business. No 40-page SBA packet. No collateral list.

02 Review

We review 3 bank statements

No credit pull. No collateral. We look at your deposits and cash flow. That's what matters.

03 Fund

Cash hits your account

24-48 hours after approval. Wire or ACH, your pick. Place that order before the deadline.

Day 0 · Apply Day 0 · Review Day 1–2 · Funded
Last month

A wholesale distributor. 36 hours.

"

They had a $180K purchase order with a 5-day deadline. Supplier needed payment upfront. Bank said 3-4 weeks. We funded $90K in 36 hours. They filled the order and kept the account.

$90,000 Funded
36 HRS Apply to cash in account
0 Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Wholesaler funding — answered.

Do you fund wholesale businesses with bad credit?+

Yes. We've funded wholesale businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a wholesaler get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can wholesale businesses qualify for?+

$40K-$400K is the typical advance range for wholesale businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what your distribution business qualifies for today.

Apply Now
✓ No credit pull ✓ No obligation ✓ Decision same day