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Business Funding for Wholesale & Distribution

Inventory financing, PO factoring, and working capital for wholesalers and distributors. Bridge the cash flow gap and scale your operations.

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No Obligation
No Collateral
2-Minute App
15+
Products
90%
Approval Rate
48 hrs
Avg. Funding Time
580+
Distributors Funded

Why Wholesale & Distribution Businesses Choose Slate Financial

Wholesale and distribution businesses run on thin margins and massive inventory volumes. You need to purchase goods in bulk from suppliers — often overseas — and hold inventory until your customers order. Slate Financial provides the capital to purchase inventory, manage cash flow gaps between payables and receivables, and scale your distribution operations.

Common Challenges

Inventory purchases require payment before sales revenue arrives
Accounts receivable terms create 60-90 day cash flow gaps
Warehouse and logistics costs grow with every new customer
International suppliers require wire payments upfront
Banks require real estate or inventory liens most distributors cannot offer

How We Help

PO factoring to fund large purchase orders before fulfillment
Revolving lines of credit for ongoing inventory replenishment
Term loans for warehouse expansion and infrastructure
MCAs for fast working capital to cover operating expenses
Equipment financing for forklifts, trucks, and warehouse gear

Common Funding Needs

What Wholesale & Distribution Businesses Use Capital For

Bulk inventory purchasing from domestic and overseas suppliers
Warehouse expansion and logistics upgrades
Bridge financing between accounts payable and receivable
Fleet expansion (trucks, forklifts, pallet jacks)
New product line launches and supplier diversification

Recommended Products

Best Funding Options for Wholesale & Distribution

Matched to your industry's unique needs and cash flow patterns

Purchase Order Factoring

Subject to lender approval
Subject to lender approval

Turn your purchase orders into immediate cash — finance up to 100% of your PO value.

Up to 100% PO financing No debt added to balance sheet Scales with your business
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Lines of Credit

Subject to lender approval
Subject to lender approval

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use
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Term Loans

Subject to lender approval
Subject to lender approval

Fixed-rate business term loans with predictable payments and clear terms for established businesses.

Fixed monthly payments 1–5 year terms AI-matched lenders
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Merchant Cash Advance

Subject to lender approval
Subject to lender approval

Fast working capital based on your future sales, with minimal paperwork, subject to funder approval.

Approval based on revenue, not credit No fixed monthly payments Fast decisions
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Equipment Lending

Subject to lender approval
Subject to lender approval

Finance new or used equipment with flexible terms up to 84 months.

Up to 100% financing New & used equipment Terms up to 84 months
Apply Now

How It Works

Get Funded in Three Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with strong-fit products for your industry through a fast, AI-matched process, subject to lender approval.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account, subject to lender approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Fast, Streamlined Process

Move quickly once you're approved, without drawn-out paperwork. Funding is subject to lender approval.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

50
States licensed
AI
Lender matching
15+
Products
6,000+
Capital sources

FAQ

Wholesale & Distribution Funding Questions

Get Funded for Your Wholesale & Distribution Business

Join thousands of wholesale & distribution businesses that trust Slate Financial. Apply in 2 minutes. Fast, AI-matched process, subject to lender approval.

No Obligation
No Collateral Required
Fast Decisions
Start Your Application Find My Loan Match