Unsecured Business Loans for Wholesalers
By Joshua Giles, Founder and Director · Reviewed by the CoreFi credit team
Last updated 20 July 2026
CoreFi is a broker, not a lender. We do not set rates and lenders make all credit decisions.
In short: £10k - £300k over 1 - 5 years. Wholesale lending is almost always a working capital conversation.
Wholesale lending is almost always a working capital conversation. A supplier offers you 90-day terms or a bulk discount, you need to move before the window closes, and you cannot wait for a secured facility to complete. An unsecured business loan gives you a fixed lump sum, repaid over one to five years in equal monthly instalments, with no charge registered against your stock, your warehouse, or your premises.
The lender who says yes to a wholesaler is rarely the high street. High-street banks want two or three years of clean accounts and a security conversation. The alternative lenders we work with underwrite primarily on trading history and cash flow: how long you have been trading, how consistent your B2B turnover is, and whether the revenue comfortably covers the repayment. The repeat-order nature of wholesale, where the same buyers reorder on a predictable cycle, is something underwriters read as lower collection risk than one-off retail sales, and it can work in your favour.
No broker can promise you a rate, and we will not pretend otherwise. Unsecured wholesale lending is commonly priced as a factor rate rather than an APR, and where you land depends on your trading length, margin, and the strength of the file the lender sees. What we do is identify which lenders are actively writing wholesale paper at the ticket size you need, put you in front of the right one, and make sure your application lands in good shape the first time. We are a commercial finance broker, not a lender; the credit decision and the terms sit with the lender.
Key Benefits
- Bulk purchase timing: a fast decision means you can commit to a supplier deal before the discount window closes, rather than losing the margin to a competitor who moved first.
- No property charge: the facility sits against the business, not your warehouse or your home, so your balance sheet stays clean for any secured borrowing you take on later.
- Fixed monthly repayments suit the steady cash flow of a B2B wholesale business. You know the cost from day one and can model it against your debtor book.
- New product lines and distribution agreements are legitimate loan purposes here, not just stock top-ups. Taking on a new agency or entering a new territory reads as growth to a lender, provided you can show where the revenue comes from.
Frequently Asked Questions
Should I use stock finance or an unsecured loan?
Stock finance is a revolving facility that advances against your inventory value and scales up and down with your stock levels, which suits a continuous replenishment cycle. An unsecured loan is a fixed draw, better suited to a one-off bulk purchase, a new product line launch, or capex on the warehouse. Plenty of wholesalers run both: a revolving stock facility for day-to-day inventory and a term loan for a specific growth project. We can talk through which fits your situation.
Can I fund a new product line or distribution agreement?
Yes, and it is one of the stronger use cases for this product. Lenders like a named purpose with a credible revenue argument behind it. If you can show the margin on the new line and how the repayment is covered, that gives an underwriter something concrete to say yes to. Approval and terms remain the lender's call.
What turnover do I need?
There is no single fixed threshold, and it varies by lender and loan size. Larger wholesale businesses with strong turnover and clean management accounts can reach the top of the £300k range, but turnover alone does not decide it: gross margin and net profit relative to the repayment are what the underwriter actually weighs. Tell us your numbers and we will point you at lenders whose appetite matches.
How quickly can I get the funds?
Alternative lenders tend to move faster than the high street, which matters when a supplier discount or a time-limited bulk order is on the table. We cannot guarantee a timeframe, since the decision and the payout sit with the lender, but the biggest variable in your control is how quickly you get us the last six months of bank statements and your most recent filed accounts. A complete file moves faster than a chased one.
Work out your numbers
Related Funding Options
Unsecured Business Loans UK: £1k to £500k, No Property Security
Unsecured business loans from £1k to £500k for UK limited companies. No charge on your property. We broker these deals and can tell you which lenders are open to your sector & turnover.
Invoice Finance for Wholesalers
Wholesale businesses sell on trade credit and wait 30-90 days while the stock cost sits on your books. Invoice finance for UK wholesalers releases that cash within 24 hours of raising an invoice.
Stock Finance for Wholesalers
Stock finance for wholesale and distribution businesses: a revolving facility secured against warehouse inventory, so your buying power does not stall between supplier invoice and customer payment.
Business loans by location
Lender appetite varies by city and region. If you would rather start from where your business is based, these local guides cover the same funding with the local picture.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.