Wholesale Finance

Funding built around stock, scale and supply

Working capital and stock finance for wholesalers and distributors managing bulk purchasing, warehousing and customer payment terms.

No impact on credit scoreWhole-of-market panelDedicated account manager
Tailored Financing

Finance for stock and distribution

Wholesale businesses often need to pay suppliers well before customers pay them, particularly when buying in bulk. We work with lenders who understand that working capital gap.

Offset rising interest rates

Manageable, fixed monthly repayment plans that keep borrowing costs predictable even as rates move.

Smooth out irregular cash flow

Repayment structures built around your business's income cycle, not a rigid monthly schedule.

Refinance owned equipment

Release capital tied up in assets you already own to reinvest in the business.

Invest in growth

Stay competitive and productive with the equipment or capacity you need, without a large upfront outlay.

32%

of UK SMEs funded through a commercial finance broker had previously been declined funding elsewhere. Source: NACFB Industry Report, 2024.

Equipment & Assets

What we help fund

From warehouse infrastructure to stock financing, here's what we typically help fund.

Warehouse racking & storage systems

Racking and storage systems to expand warehouse capacity.

Stock & inventory financing

Working capital to fund bulk stock purchases ahead of sale.

Order fulfilment & picking equipment

Equipment to support order picking and fulfilment operations.

Distribution & delivery vehicles

Vehicles to support distribution to retail and trade customers.

Warehouse expansion or relocation

Fund the expansion or relocation of warehouse facilities.

Packaging & handling machinery

Packaging and handling equipment for warehouse operations.

Finance Products

Finance solutions built for wholesale

A snapshot of the products our panel most commonly arranges for clients in this sector — see the full range on our funding options page.

  • Funding bulk stock purchases ahead of customer sales
  • Releasing cash tied up in unpaid trade customer invoices
  • Expanding or relocating warehouse capacity
  • Flexible working capital that scales with order volume
FAQs

Wholesale finance, answered

Sector-specific questions we hear most often from businesses like yours.

Yes. A revolving credit facility or business loan can provide working capital to fund bulk stock ahead of it being sold on to customers.

Find the funding built for your business

Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.