What is purchase order factoring?

PO factoring allows you to get funded against confirmed purchase orders from your customers. We advance a percentage of the PO value so you can purchase inventory and fulfill the order. Repayment happens when your customer pays.

Can I finance international inventory purchases?

Yes. Our funding can be used for domestic or international inventory purchases. We fund against confirmed POs and invoices regardless of where the goods are sourced from.

I need ongoing inventory financing, not just a one-time loan. What do you offer?

Our revolving lines of credit are designed for exactly this — draw capital when you need to purchase inventory, repay as you sell, and draw again. It gives you ongoing flexibility to manage inventory cycles.

Do you fund warehousing and logistics expansion?

Yes. Term loans cover warehouse buildout, racking systems, and logistics technology. Equipment financing covers forklifts, pallet jacks, conveyor systems, and fleet vehicles.

📦

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.

Get Funded Now Find My Loan Match

No Obligation

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

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

Apply Now

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

Apply Now

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

Apply Now

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

Apply Now

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 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.

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.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

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

States licensed

24hr

Funding speed

$50M

Max deal size

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. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

Start Your Application Find My Loan Match