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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 Credit Impact
No Collateral
2-Minute App
$245K
Avg. Funded Amount
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

$50K – $10M
48–72 hours

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

$10K – $1M
24–48 hours

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

$25K – $5M
24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates
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Merchant Cash Advance

$5K – $2M
24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions
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Equipment Lending

$10K – $5M
24–48 hours

Finance new or used equipment with competitive rates and 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 3 Simple Steps

STEP 01

Apply Online

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

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

"We had a $400K purchase order from a national retailer but needed capital to buy the inventory. Slate funded us against the PO in 4 days. That single order doubled our annual revenue."

Robert Kim
Pacific Coast Distribution, Los Angeles CA
Funded: $400,000
98%
Approval Rate
24hrs
Average Funding
$2.5B+
Total Funded
10,000+
Businesses Served

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. No credit impact. Get funded as fast as 24 hours.

No Credit Impact
No Collateral Required
Same-Day Decisions
Start Your Application Find My Loan Match

Marcus T. from Miami, FL

Just funded $150,000 — Term Loan

32 minutes ago