Inventory purchasing
Minimum orders and supplier deposits can create a large upfront commitment. Use confirmed customer demand and stock already held when defining the purchase.
Business financing referrals · Distribution businesses
Explore funding for wholesale stock and fulfillment equipment.
A distributor may pay suppliers before goods are delivered or customer invoices are settled. Explain the inventory order, handling cost and timing of the gap in your application.
Needs to describe
Identify the purpose of the funding
Handling equipment
Packing stations, pallet equipment and loading aids can support a change in order volume. Include setup costs and the space needed to use them.
Costs of day-to-day operations
Freight, warehouse labor and supplier balances may come due on different dates. Break the request into those obligations and identify expected customer payment dates.
Collect the key details
A useful checklist before you begin
Gather the business basics and check the expense calculation before you begin the application.
- 01Your purchase plan, estimated cost and schedule
- 02Your revenue bracket and how long the business has run
- 03Your business category, name and approximate credit band
- 04The owner’s contact information and phone access
Distribution businesses · funding preparation
Account for the interval before customers pay
Gross order value is different from the cash tied up in an order. Deduct deposits and consider returns or customer payment terms when estimating the amount that needs funding.
Moving your request forward
Follow your request through the next steps
Amount, use and timing
Identify the expense and select the funding purpose and urgency that correspond to it.
Operating information
Complete the business-name, industry, revenue and history fields together with the approximate credit range.
Review and send
Check your answers, review the consent wording and use the verification code before submitting the request.
Information for business owners
Points to review before starting
What should I understand about provider referrals?
The referral process involves selling submitted application information to funding partners, with no more than five receiving one request. We receive partner payments whether the request is funded or not and impose no application charge on you.
How does a provider decide?
The requested amount expresses what the business wants to explore. It is not an approved amount, and a funding partner may offer different terms or no financing at all.
Why can request timelines differ?
Submission and receipt of funds are different stages. Any timeline must be confirmed with the funding provider after it has reviewed the request.
How do contact preferences affect the request?
Read the disclosures presented with the application rather than relying only on this page. Submission includes a separate contact-consent review and a mobile verification step.
Describe the business goal
Make your next business purchase the starting point
Use the form to present your business funding need, including the amount and purpose of the request.