“Had a $400K order from a major retailer. Needed $250K in inventory to fill it. Bank said 6 weeks. Basecamp Funding funded me in 3 days. I filled the order, kept the account, and landed a recurring contract.”
★★★★★ — David K. . Consumer Goods Distributor . $3.2M Revenue . Atlanta, GA
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Wholesale & Distribution Business Loans — $10K to $10M+
Basecamp Funding connects wholesale distributors, suppliers, and importers with over 70 lending partners specializing in distribution business loans. Whether you need working capital for inventory purchases, a business line of credit for rolling stock, invoice factoring to unlock net-30/60/90 receivables, purchase order financing for large fulfillments, or an SBA loan for warehouse acquisition — we match you with the best rates and terms available.
Food and beverage distributors, building material suppliers, consumer electronics wholesalers, industrial supply companies, auto parts distributors, medical supply firms, apparel importers, office supply wholesalers, and pet supply distributors trust Basecamp Funding for fast, flexible capital. From a $25K inventory purchase to a $3M import financing facility — one 60-second application, no hard credit pull, no minimum credit score.
Most wholesale loan approvals happen within hours. Same-day funding is available on select products. Stop losing orders because your bank can't move fast enough — let 70+ lenders compete for your business.
Sound Familiar?
Why Wholesale Distributors Come to Us Instead of Their Bank
Your biggest retailer just placed a $300K order but your supplier requires 50% upfront. You've got $75K liquid. You need $75K in 5 days to fill the order or lose the account.
You're importing $400K in inventory from overseas. The manufacturer wants a letter of credit. Your bank wants 3 weeks and 25% cash collateral.
Your top 3 accounts are all net-60. That's $600K in outstanding receivables. Meanwhile, your warehouse rent, staff, and shipping don't wait 60 days.
Costco wants to carry your product. The initial order is $250K. You need to finance raw materials, production, and packaging before you see a dollar.
Holiday season is 10 weeks out. You need $200K in inventory now but your line of credit is maxed from last quarter. Revenue will 3x but not for 3 months.
You're 14 months in business. Growing 30% quarter-over-quarter but banks won't touch you without 2 years of history.
If any of this sounds familiar, you're exactly who we built this for.
Get Your Options →“We had a $300K order from a major retailer and 7 days to fill it. Basecamp funded $150K in inventory capital in 4 days. That order was 15% of our annual revenue.”
★★★★★ — Daniel K., Food Distributor, California
Why Us
Why Wholesale & Distribution Companies Choose Us Over Banks
We built our process around the way wholesale & distribution companies actually operate — not the way banks wish you did.
We Understand the Buy-Sell Gap
You pay suppliers in 30 days but customers pay you in 60-90. Banks call that risk. Our lenders call it wholesale and fund through the entire cash conversion cycle.
Large Orders Don't Require a Business Plan
A $400K purchase order from a major retailer needs capital today, not a 50-page proposal. Our lenders evaluate your deposit history and fill the gap fast.
Import Timelines Don't Scare Us
Container ships take 4-6 weeks. You pay before goods arrive. Banks see cash leaving with nothing to show. Our lenders understand import cycles and fund through transit.
We Help You Capture Supplier Discounts
Suppliers offer 2-5% for early payment, but you can't pay early if your cash is tied up. Our lenders fund fast enough to turn financing cost into net savings.
Seasonal Inventory Buildup Is Normal
Stocking up in September for holiday orders means heavy spend before any revenue. Banks flag the cash burn. Our lenders see a seasonal business doing it right.
We Replace Expensive Factoring
Factoring companies take 2-10% of every invoice. Our lenders offer fixed-term products so you keep 100% of your receivables and stop bleeding margin.
The average wholesaler has 52 days of cash tied up in inventory and receivables at any given time
— U.S. Census Bureau Wholesale Trade Report
Wholesale distributors who capture early-pay supplier discounts save an average of 3.2% on cost of goods
— National Association of Wholesaler-Distributors
61% of distributors cite cash flow timing as the #1 barrier to taking on larger accounts
— Distribution Strategy Group
Free Tool
What Can Your Wholesale & Distribution Companie Business Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Distributors the Most
"Not financing inventory purchases"
Buying $100K in inventory on a credit card at 22% costs $22K/year. Inventory financing or a line of credit at 12% costs $12K. That's $10K/year straight to your bottom line.
"Turning down large orders"
A $300K order at 25% margin is $75K in gross profit. If you can't fill it because you lack $150K in inventory capital, you're not just losing $75K — you're losing the account.
"Ignoring invoice financing"
Waiting 60 days for $200K in receivables is $200K in trapped capital. Invoice financing at 2% per 30 days unlocks 90% of that in 24-48 hours.
"Over-relying on one credit line"
A single $200K line of credit runs out fast during peak season. Having 2-3 funding sources means you never turn down an order because of capital.
"Not planning for seasonal ramps"
If Q4 is 40% of your annual revenue, you need Q4 inventory capital by Q3. Applying in September for October inventory is too late. Apply in July.
“Net-60 from our biggest customer was killing our cash flow. $200K line of credit solved it in 3 days.”
★★★★★ — Sarah M., Office Supply Distributor, New York
How We Compare
How We Compare
Not all funding sources are created equal. Here's how we stack up against your other options.
Funding by Company Size
How We Fund Distributors at Every Stage
Small Distributor / 1-5 Employees
Common Needs
Working capital, line of credit
24-48 hours
Harbor Supply, 3-person office supplies distributor in New Jersey — needed $35K for a bulk paper inventory purchase with 40% volume discount expiring in 10 days. Funded in 48 hours. That inventory purchase saved $28K in cost.
Mid-Size Distributor / 5-30 Employees
Common Needs
Line of credit, working capital, PO financing, SBA
24-72 hours
Pacific Foods Distribution, 18-employee specialty food distributor — $300K line of credit for seasonal inventory. Their bank offered $100K. Our network approved $300K in 5 days based on purchase order pipeline.
Large Distributor / 30-200+ Employees
Common Needs
SBA loans, term loans, PO financing, large credit lines
1-3 weeks for complex financing
Continental Supply Group, 85 employees — $2.6M import financing for a container shipment from Asia. Letter of credit plus working capital bridge. Traditional bank wanted 4 weeks and 30% cash collateral. Funded in 11 days with 10% down.
Funding Built for Your Distribution Business
Whether you're a small supplier or a large-scale distributor, we match you with the right product and amount.
Growing Businesses
$10K – $500K
Revenue-based funding for working capital, equipment, and growth. Most businesses fund in 1–3 days.
See What You Qualify For →Established Businesses
$500K – $5M
Term loans, SBA loans, and large equipment financing for businesses with $500K+ monthly revenue.
See What You Qualify For →Commercial & Complex Financing
$5M – $10M+
Business acquisitions, commercial real estate, and structured financing. Dedicated commercial lending team.
Request a Financing Review →Pricing Transparency
What Wholesale Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for wholesale distributors in our network.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
A single funding specialist calls you with your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Wholesale & Distribution Companies Use Basecamp Funding
Inventory Purchase
Stock up for peak season, lock in bulk pricing, fill large orders. Buy before your customers pay you.
Warehouse Expansion
Additional square footage, new locations, racking systems, cold storage. Scale your capacity.
Freight & Logistics
Shipping costs, delivery fleet, 3PL fees, cross-docking. Keep goods moving without draining reserves.
Hiring & Payroll
Warehouse staff, drivers, sales team, seasonal workers. Cover payroll while waiting on receivables.
Technology & Systems
WMS software, barcode systems, ERP, e-commerce platform, EDI integration. Automate and compete.
Sales & Marketing
Trade shows, sales reps, B2B marketing, catalog production, website development. Grow your customer base.
Debt Consolidation
Refinance high-cost MCAs, factoring agreements, vendor debt, or credit lines into one manageable payment.
New Markets & Products
Add product lines, enter new territories, onboard larger retailers. Fund growth without draining operations.
Supplier Terms & Discounts
Pay suppliers early for 2-5% discounts. Turn financing cost into net savings on every purchase order.
“Our bank wouldn't increase our line for holiday season. Basecamp approved $250K in additional capacity in 5 days.”
★★★★★ — Marcus R., Consumer Electronics, Texas
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
🚫 These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
✓3 months of bank statements
PDF download or online banking credentials
✓Business checking account
Must be a dedicated business account
✓Valid business license or EIN
Proof your business is registered
✓Government-issued ID
Driver's license or passport
✓Outstanding debt details
Existing loans, MCAs, or credit lines
✓Approximate monthly revenue
Doesn't need to be exact
The Next Big Order Shouldn't Break Your Cash Flow
Tariffs are rising. Supplier costs are climbing. The distributors who survive aren't the biggest — they're the ones with capital ready to deploy. A pre-approved credit line costs nothing until you draw it. When your biggest customer doubles their order or your supplier offers a 5% early-pay discount — you're ready.
No credit impact · No obligation · 60 seconds
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Wholesale & Distribution Companies
The most popular funding types for wholesale & distribution companies businesses. Each links to a detailed product page.
Working Capital Loans
Fund inventory purchases and bridge the gap between paying suppliers and collecting from customers.
View Product Details →Invoice Factoring
Convert outstanding net-60/90 receivables into immediate cash for your next purchase order.
View Product Details →Business Line of Credit
Draw funds to fill large purchase orders and repay as customer payments arrive.
View Product Details →Term Loans
Finance warehouse expansion, racking systems, or a new distribution facility.
View Product Details →Financing by Distribution Type
Every wholesale vertical. Click yours for tailored options.
Need commercial insurance for your wholesale & distribution companies business?
Our partner Direct Insurance Services covers wholesale & distribution companies businesses across 29 states.
FAQs
Wholesale & Distribution Loan FAQs
Lisa P.
Distribution Company | Portland, OR
“We factor our invoices through a lender Basecamp matched us with. Instead of waiting 60 days for payment, we get cash in 24 hours. Transformed our cash flow.”
Stop Losing Margin to the Gap Between Buying and Getting Paid
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide