Funding for Wholesale & Distribution in All 50 States
Fast, flexible capital for wholesale and distribution businesses in All 50 States. Up to $2,000,000, decisions in 24 hours, and no collateral.
See What You Qualify For →
Capital built for wholesale & distribution
You buy inventory in bulk upfront, then wait 30 to 60 days for retailers to pay on the goods you have already shipped. ShopFunders closes that gap so you can stock deeper, take on bigger accounts, and never turn down a purchase order for lack of cash.
How wholesale and distribution funding actually works
Distribution lives and dies on the gap between paying suppliers and collecting from buyers. You front cash for a full container or pallet load, warehouse it, and ship to accounts that pay net-30 or net-60. That is often $50,000–$500,000 of working capital locked in inventory and receivables at any moment — and a single large purchase order can strain the whole line.
Two structures that fit distributors
Working-capital funding. A lump sum repaid from ongoing sales, used to buy inventory ahead of demand, cover the receivables gap while net-30 and net-60 clients pay, and take on orders bigger than your cash would normally allow.
Growth and equipment capital. Larger amounts to add warehouse space, expand your delivery fleet, or install racking and material-handling equipment as volume climbs.
What distributors use it for
Bulk inventory buys, bridging net-30/60 receivables, fulfilling oversized POs, warehouse expansion, fleet, and seasonal stock-ups. From $10,000 to $2,000,000 based on monthly revenue.
Why distributors skip the bank
A bank line of credit takes weeks and gets reviewed every year. We give decisions in about 24 hours and funds in 24–72, so you can act on a supplier deal or a new account now. Most distributors qualify with 3+ months operating and $75,000+ in monthly revenue — recent business bank statements start it. No collateral.
Why owners choose ShopFunders
Decisions in 24 hours
Apply in 2 minutes and get a real answer fast — no waiting weeks on a bank.
No collateral required
Unsecured funding based on your revenue and business health, not your assets.
Built for your industry
Structures that fit how wholesale and distribution businesses actually earn and spend.
Wholesale & Distribution funding across the country
We fund wholesale and distribution businesses nationwide.
Frequently asked questions
Can funding cover a purchase order bigger than my current cash?
Yes. That is exactly what distributors use it for. Working capital runs from 10,000 to 2,000,000 based on monthly revenue, so you can buy the inventory now and repay as the sale collects. Qualify with 3+ months in business and $75,000+ per month, decisions in about 24 hours.
How does this help with net-30 and net-60 receivables?
It fronts the cash you are waiting on so you can keep buying inventory and filling orders instead of stalling. With 3+ months operating and $75,000+ in monthly revenue you qualify. Send recent bank statements and funds land in 24 to 72 hours.
How much funding can I get?
Most businesses access $10,000 to $2,000,000, based mainly on monthly revenue and business performance.
How fast can I get funded?
Approvals can come in as little as 24 hours, with funds typically deposited within 24–72 hours of accepting your offer.
Will applying hurt my credit?
No — applying requires no credit check. We focus on your business revenue and don't pull credit until you review and sign terms.
Do I need collateral?
No. Our funding is unsecured and based on the health of your business, not your assets.
Ready to fund your wholesale & distribution business?
Join the owners who chose speed and a partner that says yes. Get your estimate in 2 minutes.
Apply Now →