INDUSTRY SOLUTIONS
Funding Built for Wholesale & Distribution Businesses
Wholesalers and distributors carry the cash gap for the whole supply chain, you pay suppliers up front for inventory, then sell to retailers and businesses who pay you on net‑30 or net‑60 terms. Add seasonal buying, bulk-order discounts, and warehousing costs, and capital is always tied up in stock or unpaid invoices. We provide fast, flexible funding designed for distribution businesses: inventory purchasing, invoice factoring, and the working capital to keep shelves stocked and orders moving.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Inventory, receivables & operations
THE CHALLENGE
Why Wholesale & Distribution Businesses Need Capital That Moves Fast
Distribution runs on volume and timing. Your margins are thin, and your money is tied up in inventory sitting in the warehouse or in invoices waiting to be paid, and your best opportunities, a bulk discount from a supplier, a big new retail account, a seasonal pre-buy, all demand cash up front, weeks or months before that inventory turns into collected revenue.
Distribution ties its cash up in the two places banks trust least: a warehouse full of stock and a ledger full of receivables. In practice, much of that inventory is pre-sold and the invoices are owed by solid accounts. And the best buying opportunities in this business are the least patient ones. A supplier's limited-time price on a container-load doesn't hold while a bank deliberates.
At Monera Capital, we've funded food and beverage distributors, building-materials and industrial suppliers, apparel and consumer-goods wholesalers, auto-parts and equipment distributors, medical and janitorial supply, and import/export and B2B resellers. Inventory-driven, net-term cash flow is the shape of this industry, and it's the shape our funding is built for.
Specialized Funding
Which Describes Your Business?
Different distributors face different inventory and receivables squeezes. Find the funding built for yours.
Food & Beverage Distributors
Pay produce and supplier bills fast while restaurants and grocers pay you on terms. Working capital for perishable, fast-moving inventory.
Food & beverage funding
Medical & Janitorial Supply
Carry inventory and payroll while hospitals, facilities, and government accounts pay on long net-60 and net-90 terms.
Medical supply funding
Building Materials & Suppliers
You carry contractor accounts on your own credit through the building cycle. Funding for inventory, payroll, and seasonal demand.
Building materials fundingHow Wholesale & Distribution Businesses Use Our Funding
Inventory Purchasing
Buy inventory in volume, including bulk and seasonal pre-buys, and take advantage of supplier discounts that need cash today.
Bridge Net-Term Invoices
Cover the gap between paying suppliers now and collecting from your retail and business accounts on net‑30 or net‑60.
Warehouse & Storage
Fund forklifts, racking, refrigeration, and warehouse space as your volume and SKU count grow.
Fleet & Delivery
Add or maintain delivery vehicles and cover fuel and logistics costs to get orders out the door on time.
New Accounts & Product Lines
Take on a large new retailer or launch a new product line without straining the cash you need for day-to-day operations.
Inventory & ERP Systems
Upgrade the inventory, ordering, and ERP systems that keep stock levels, pricing, and fulfillment under control.
Funding Solutions for Wholesale & Distribution Businesses
We offer multiple products so we can match you with the right funding for your situation.
Line of Credit
Revolving capital you draw on to buy inventory and repay as it sells, flexible funding that breathes with your buying cycle.
Learn MoreAR Factoring
Turn unpaid customer invoices into cash up front, typically within 24 to 48 hours, instead of waiting out 30- to 60-day payment terms.
Learn MoreEquipment Financing
Finance forklifts, racking, refrigeration, and delivery vehicles, spread the cost over the years the equipment earns.
Learn MoreRevenue-Based Financing
Repayment that flexes with your sales. Strong shipping month? Pay a bit more. Slower month? Payments adjust down automatically.
Learn MoreWhy Distributors & Wholesalers Choose Us
We've worked with wholesale and distribution businesses of every size, from regional distributors and importers to specialty wholesalers and B2B resellers. We've seen how cash gets locked up in inventory and receivables, why supplier discounts and big accounts demand fast capital, and how the right funding keeps product flowing both ways.
Apply Now- We understand inventory-and-receivables cash flow
- Approval in 4–8 hours, no waiting for banks
- Capital for inventory, equipment, and operations
- Funding from $10,000 to $500,000
- Dedicated advisor who knows distribution
- All credit profiles considered
Simple Requirements to Get Started
If your wholesale or distribution business has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Wholesale Funding FAQs
What can wholesale and distribution businesses use funding for?
Wholesalers and distributors use funding for inventory purchasing, bridging net-term invoices, warehouse and storage, fleet and delivery, new accounts and product lines, and inventory and ERP systems. Amounts run from $10,000 to $500,000.
How does funding handle inventory and receivables at the same time?
Distribution ties up cash on both ends: you buy inventory up front and then wait on net-term invoices after you sell it. Working capital funds inventory purchasing, and AR factoring turns outstanding invoices into cash now, so you can restock and take on new accounts without a squeeze.
Can wholesale and distribution businesses qualify for funding?
Most wholesale and distribution businesses qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can wholesale and distribution businesses get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can wholesale and distribution businesses get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can wholesale and distribution businesses get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for wholesale and distribution businesses?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
Insights
Reading for Wholesale & Distribution Owners
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