A distributor sits in the middle of the supply chain, carrying inventory, running a delivery fleet, and waiting on net-term payments from the businesses you serve. There is a funding product for almost every part of that, and one short application through a broker gets you matched to the lenders whose guidelines you meet.
A line of credit and receivables funding for the payment gap
You deliver product and invoice your customers, then wait weeks to collect while you reorder and keep trucks running. A business line of credit is built for that gap: you draw to restock and cover operations, then pay it back down as invoices clear.
Funding tied to your outstanding invoices can also advance cash against those receivables, which pairs well with a line of credit so a wave of net-term sales does not leave you short on working capital.
Funding inventory and large orders
Distribution runs on volume, and stocking up ahead of demand or filling a large customer order ties up serious cash before it comes back. Short-term working capital and funding tied to a confirmed purchase order can cover the buy so you can keep product flowing without draining your account.
The right structure depends on your turnover and steady deposits. A broker can map how quickly your inventory converts to cash to a product that fits it.
Fleet and expansion: equipment financing, term loans, and SBA
Delivery trucks and warehouse equipment are core assets, and equipment financing lets you spread their cost over their working life, with the vehicle or equipment typically serving as collateral. For expanding a facility or acquiring another distributor, a term loan or an SBA loan provides longer money, with SBA often the cheapest long-term option.
SBA financing involves more paperwork and a slower process, so it fits a planned expansion rather than an urgent need.
Why a broker fits a distributor like yours
Distribution spans inventory, fleet, and receivables, and the right lender depends on which you are funding. The advertised range here runs from $5,000 to $2 million, and one 2-minute application gets you matched to the lenders whose guidelines you meet.
You compare the strongest offers side by side and choose what fits, with no obligation. Checking your options won't affect your credit score, and the service is free to you as the applicant.
See what you qualify for
One 2-minute application is matched to the lenders whose guidelines you meet. It's free, and checking your options won't affect your credit score.
See What I Qualify For →The bottom line: Whether you are bridging net-term receivables, stocking inventory, or expanding your fleet, there is a funding product that fits a distributor, and one short application gets you matched to the lenders whose guidelines you meet.