01
Purchase commitments
Supplier deposits, freight, duty and currency movement all sit inside the true landed cost.
Wholesale & Distribution
Funding for wholesale and distribution.
Funding for importers, wholesalers and distributors balancing supplier deposits, landed stock costs, warehousing and customer payment terms.
£5k – £5M
Funding range
Product dependent
Repayment terms
File dependent
Review timing
Before choosing funding
Protect cash between the supplier and the customer
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Stock ageing
Fast-selling lines and slow stock should not support the same borrowing assumption.
03
Debtor terms
A profitable order can still strain cash when customers pay 30 to 90 days after delivery.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Stock ageing report
- Purchase orders and supplier terms
- Aged debtor list
- Gross margin and landed-cost calculation
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01Is funding tied to confirmed customer demand?
- 02What happens if freight or FX moves?
- 03Could invoice finance recycle cash after delivery?
Wholesale businesses can be profitable on paper while cash is held in deposits, goods in transit, warehouse stock and unpaid customer invoices. Growth can widen that gap quickly.
Funding should follow the transaction. Short-term working capital may support a defined purchase, invoice finance may recycle cash after delivery, and asset finance can cover eligible warehouse or handling equipment.
Typical use cases
- Supplier deposits and bulk orders
- Freight, duty and landed costs
- Seasonal inventory
- Warehouse racking and systems
- Bridging customer payment terms
- Launching a new product line
Useful reading
Go deeper before you decide.
Practical guide7 min read
Invoice finance UK: factoring vs discounting explained
How factoring and invoice discounting actually work in the UK, cost shapes, eligibility, and when each is the right structure.
Practical guide6 min read
Seasonal business funding for UK trading peaks: how to fund a busy quarter
A practical playbook for funding a UK seasonal peak: sizing the facility, choosing the repayment shape that matches the peak, and getting funds landed before demand does.
Stock turn
Inventory signal
Landed cost
True purchase cost
Debtor days
Receipt timing
Margin
Repayment headroom
Frequently asked
Can funding cover an overseas supplier deposit?
Potentially. The supplier, purchase order, landed cost, customer demand and currency exposure are relevant to the review.
Can old or slow-moving stock support funding?
Stock quality and saleability matter. Aged or specialist inventory is generally treated more cautiously than fast-moving confirmed lines.
Is invoice finance useful for distribution businesses?
It can be useful where goods have been delivered and the business raises eligible B2B invoices on credit terms.
What should I include in a stock funding plan?
Include deposits, freight, duty, warehousing, expected sell-through, margin, customer terms and a downside case.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility