A wholesaler's whole model is buying inventory in bulk and selling it to retailers, often on net terms, which means your cash is tied up in stock and receivables at the same time. There is a funding product for almost every part of that cycle, and one short application through a broker gets you matched to the lenders whose guidelines you meet.
Funding to buy inventory in bulk
Your margins depend on buying in volume, and the best pricing usually requires committing cash to a large order before you have sold it through. Short-term working capital and funding tied to a confirmed purchase order can cover a bulk buy so you can take advantage of volume pricing without draining your operating account.
This is often the difference between accepting a supplier's best price and passing on it, and it lets you keep shelves stocked for your retail customers through demand spikes.
A line of credit for the receivables gap
When you sell to retailers on net-30 or net-60, you have delivered product but not yet collected, all while you need to reorder. A business line of credit is built for that gap: you draw to restock and cover operations, then pay it back down as retailer invoices clear.
Funding tied to those outstanding invoices can also advance cash against your receivables, which pairs well with a line of credit to keep inventory moving while you wait on payment.
Warehouse, systems, and expansion: term loans and SBA
Expanding warehouse space, investing in racking and handling equipment, or acquiring another wholesaler are one-time moves that suit longer money. A term loan gives you a fixed lump sum on a set schedule, while an SBA loan is often the cheapest long-term option for a larger expansion.
SBA financing takes more paperwork and time, so it fits a planned move rather than an urgent restock.
Why a broker fits a wholesaler like yours
A balance sheet heavy in inventory and receivables is exactly the profile that benefits from the right lender match. 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 buying inventory in bulk, bridging the receivables gap, or expanding your warehouse, there is a funding product that fits a wholesaler, and one short application gets you matched to the lenders whose guidelines you meet.