Invoice finance for wholesalers and distributors
Stock is bought in bulk, ahead of the season. Retail customers pay 30 to 60 days after the sale ships.
The cash-flow pattern
The peak-season squeeze is structural: the bigger the buy-in, the bigger the receivables book that follows it, and the longer stock sits unpaid on retailer terms. Wholesalers that fund their invoice book can restock for the next cycle without waiting on the last one to clear.
Who it helps, who it does not
- Distributors buying stock in bulk ahead of season, reselling on 30–60 day retailer account terms
- Books with a handful of large, recurring retail accounts, a concentration our partners accept
- Businesses whose buying cycle regularly outruns the last selling cycle's cash
- Cash-and-carry or trade-counter sales paid immediately, there is no unpaid invoice to fund
- Drop-shippers who never hold stock or raise a standard trade invoice
- Businesses with unusually high return or credit-note rates that underwriting cannot account for
Eligibility notes
- Active UK limited company, LLP or plc, verified against Companies House
- Invoicing retail or trade customers on standard account payment terms
- Concentrated retailer books are common and accepted by our funding partners
- Normal return and credit-note rates are factored into underwriting
Worked example
A distributor invoicing £150,000 to retail accounts in the run-up to a peak season, on 60-day terms:
Frequently asked questions
Wholesalers often buy stock in bulk ahead of a peak selling season, paying suppliers up front or on short terms, while their own retailer customers pay on 30 to 60-day account terms. The gap widens exactly when stock purchases are largest.
Invoice finance advances against invoices you have already raised to your customers, not against stock you are about to buy. It frees up the cash from sold stock faster, which indirectly funds the next buying cycle.
It is normal in wholesale distribution for a handful of retailers to make up most of the book. We match you with funding partners comfortable with that concentration rather than penalising it.
Funding partners account for a normal level of returns and credit notes when underwriting a wholesale book. Unusually high return rates can affect terms, so it is worth flagging your typical rate upfront.
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See how much you could releaseLast reviewed: August 2026
See how much you could release.
Two minutes, soft checks only, no impact on your credit score.