Buy More Stock, Sell More Product
Wholesalers and distributors need capital to purchase inventory before it sells. We provide the funding to buy bigger, negotiate better, and grow faster.
£500bn
UK wholesale sector value
120,000+
Wholesale businesses
1 to 12 months
Stock finance terms
5 to 15 days
Trade finance setup
Wholesale and distribution businesses operate on volume and margin. The more stock you can buy, the better prices you negotiate with suppliers. But buying in bulk requires significant working capital, especially when you are extending credit to your own customers.
Common Challenges in Wholesale & Distribution
Bulk purchasing
Getting the best supplier prices means buying in large quantities, which ties up cash.
Customer credit terms
Offering 30 to 60 day terms to customers means waiting for payment while new stock needs buying.
Import costs
International suppliers often require upfront payment or letters of credit.
Warehouse expansion
Growing stock levels requires more storage space and handling equipment.
Finance Solutions for Wholesale & Distribution
We work with specialist lenders to find the right product for your business.
Stock Finance
Purchase inventory without draining cash reserves.
Learn moreTrade Finance
Fund international purchases with letters of credit and supplier payments.
Learn moreInvoice Finance
Release cash from customer invoices to fund the next purchase cycle.
Learn moreAsset Finance
Fund forklifts, racking, and warehouse equipment.
Learn moreGet a Free Wholesale & Distribution Finance Quote
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Frequently Asked Questions
What is stock finance?
Stock finance is a revolving facility that lets you purchase inventory without using your own cash. The lender purchases the stock on your behalf and you repay as you sell it. This is particularly useful for seasonal purchasing or large bulk orders.
Can I use trade finance for imports?
Yes. Trade finance is specifically designed for international purchasing. The lender issues a letter of credit or pays your supplier directly. You repay once the goods arrive and are sold.
Related Sectors
Ready to Get Funded?
Whether you need working capital, equipment finance, or property funding, we can connect you with the right lender in days, not weeks.