Industries

Pay suppliers on their terms. Get funded on yours.

Wholesale margins live in the gap between paying upstream and collecting downstream. Compare stock and invoice funding with one request; the check is soft, and your credit file stays exactly as it was.

Soft check · no impact on your credit score.²

5 to 6 figures⁴typical funding range
Soft check²no credit-score impact
~24 hours³from match to funded
One requesta whole lender network

How it works

Tell us what you need

Answer a few questions about your business and how much funding you’re after. It takes about 60 seconds.

Compare your matched offers

We match you with funding partners and bring back competing offers, a soft search with no impact on your credit score.

Get funded

Pick the offer that fits and get the funds in your account, often within a few working days.

Funding for wholesale and distribution

Invoice finance

Unlock cash tied up in unpaid invoices instead of waiting 30-90 days to get paid.

Working capital

Cover payroll, stock and day-to-day running costs with flexible working capital.

Business line of credit

A revolving credit facility you draw on as you need it, paying only for what you use.

Equipment & asset finance

Spread the cost of vehicles, machinery and tools over their working life.

Business term loan

Borrow a fixed amount and repay over a set term with predictable instalments.

Written by Sarah Eltaweel, Head of MarketplaceCapvant funding marketplace · Reviewed July 2026

How funding works

Wholesale cash is locked in stock. You buy in bulk from manufacturers or import containers that have to be paid for on order or on delivery, then that stock sits in your warehouse for weeks before it moves. When it does sell, your trade customers usually take it on 30, 60 or even 90 day terms, so the money you spent on goods can be tied up for a full quarter before it comes back. Add VAT and duty on imports, supplier deposits and the cost of holding slow-moving lines, and a profitable distributor can still run short of cash in any given week.

Capvant is a funding marketplace, not a lender. We match UK limited companies, LLPs and plcs with a network of vetted funding partners who compete for your business, so you see the options side by side instead of chasing one bank. We do not lend, set rates or make the credit decision ourselves. Comparing options is a soft search with no impact on your credit score, and a hard check only happens if you accept an offer.

Products that fit

Because your cash is split between stock on the shelf and invoices out on credit, most distributors use a blend of facilities rather than a single loan. The right mix depends on whether your pressure point is buying stock, waiting on trade debtors, or kitting out the warehouse and fleet.

Here is how the main options tend to map to a distribution business, so you can see which ones are worth comparing for your situation.

Invoice financerelease up to 80-90% of a trade invoice as soon as you raise it, so you are not waiting 60 or 90 days for customers to pay. The facility grows with your sales ledger and suits distributors with a strong B2B debtor book.

Working capitala lump sum to fund a big stock buy, a container order or a bulk-discount opportunity, repaid as the goods sell through.

Business line of credita revolving facility you draw on and repay as your buy-sell cycle turns, ideal for smoothing the gap between supplier payments and customer receipts.

Equipment financespread the cost of forklifts, racking, warehouse fit-out, delivery vans or HGVs and stock-management systems over their useful life instead of paying upfront.

Term loana fixed-term lump sum for bigger moves like a new depot, an acquisition or a step change in capacity.

Revenue Advancefunding repaid as a small share of your ongoing revenue, useful for e-commerce or card-taking wholesalers who want repayments that flex with sales.

Seasonal cash flow

Distribution rarely sells evenly across the year. If you supply retail, your customers order ahead of Christmas, so you are paying for stock in the summer and autumn that will not be paid for until the new year. Garden, outdoor and DIY lines peak in spring, food and drink swell around the festive and summer seasons, and back-to-school and Black Friday create their own ordering spikes. You commit cash months before the revenue lands.

These peaks are also where the biggest opportunities sit. A supplier offering a bulk-buy or early-settlement discount can lift your margin meaningfully, but only if you have the cash to take it. A pre-agreed line of credit or working capital facility lets you say yes to the right deal at the right time, then repay as the stock sells through, rather than passing on volume because the timing was wrong.

What lenders look at

Funders read the same numbers you watch. They look at your turnover and gross margin, how fast your stock turns, and the quality of your sales ledger: how many customers you have, how concentrated your sales are on one or two big accounts, and how promptly those customers pay. A clean aged-debtor report and a low bad-debt history make invoice finance especially straightforward.

They will also review your filed accounts and recent bank statements, your supplier terms, and whether you import, which brings currency and lead-time risk. Most facilities for limited companies come with a personal guarantee from a director. None of this means guaranteed approval, and funding is for business purposes only, but knowing what funders weigh helps you present your business well and judge the offers that come back.

Where the money goes

The most common use is simply bridging the buy-sell gap so you can hold the right depth of stock without starving the rest of the business of cash. Beyond that, distributors use funding to buy in bulk ahead of a price rise, fund a large container order, or take an early-settlement discount from a key supplier that more than covers the cost of the facility.

Funding also backs growth that pays for itself: adding a fast-moving product line, winning a new wholesale account that needs stock upfront, opening or fitting out a second depot, or upgrading forklifts, racking and a warehouse management system so you can ship more orders accurately. The aim is to match the facility to the return, with short-term finance for short-term stock cycles and longer-term finance for assets that earn over years.

Comparing your offers

Before you compare, get your numbers to hand: your most recent filed accounts, the last few months of business bank statements, an up-to-date aged-debtor and aged-creditor report, and a clear sense of how much you need and what for. For invoice finance, a clean and well-aged sales ledger is your strongest asset. The clearer the picture, the more accurately funders can price an offer.

With Capvant you fill in one short profile and compare offers from multiple vetted funding partners in one place, instead of applying to lenders one at a time. Comparing is a soft search that does not affect your credit score, and a hard check only happens if you choose to accept an offer. We serve businesses across the UK and US, so you can weigh the structure, cost and flexibility that fit your distribution model rather than taking the first facility offered.

Wholesale and distribution funding, your questions

Can my wholesale and distribution business get funding through Capvant?

Yes. Capvant works with funding partners that fund wholesale and distribution businesses across the United Kingdom. One request matches you with the partners most likely to say yes.

What funding suits wholesale and distribution businesses?

It depends on your goal, common options include invoice finance, working capital, business line of credit, equipment & asset finance, business term loan. Compare them side by side and pick what fits.

Will checking my options affect my credit score?

No. Seeing your options through Capvant is a soft search, so it leaves no mark on your credit file. A lender only runs a full credit check if you decide to accept an offer.

Is Capvant a lender?

No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.

How fast can I get funded?

Once you accept an offer, many businesses receive funds within a few working days, some products fund same day.

Fund your wholesale and distribution business

Compare offers from funding partners in minutes, no obligation, no credit-score impact.

Soft check · no impact on your credit score.²

Disclaimers & footnotes

1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.

Capvant is a trading name of Granton Hale Capital LLC. Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).

Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.

Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.

If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your application results in funding. This does not increase your cost unless expressly disclosed.

Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.

Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.

Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.

Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.

By submitting an application or funding request, you authorise Capvant to share relevant business, owner, application and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.

Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.