This Is Why You're Here
Why Apparel & Textiles Come to Us Instead of Their Bank
Spring collections need to be ordered by November. Your top brands require $150K in pre-season commitments. Retail orders won't arrive until February. That's a 4-month cash gap.
A department store chain wants to carry your brands — 50 doors, initial order $200K. Payment terms are net-60 plus return allowances. The opportunity is massive but the terms strain your cash.
MAGIC trade show is next month. Booth, travel, samples, and marketing total $25K. Last year's show generated $400K in new accounts.
Your overseas factory needs $85K wired before they'll cut fabric for your fall line. The styles are already sold to 30 boutiques — but the factory won't start without the deposit and lead time is 12 weeks.
A major retailer returned $45K in unsold spring merchandise under their markdown allowance. You're stuck with the inventory and short on cash to buy summer product that's already selling through at other stores.
Spring collections had to be locked in by November — $150K in pre-season buys. Retail orders wouldn't hit until February. Basecamp bridged that 4-month gap and we sold through 92% of the line at full margin.
Diana L., Apparel Wholesaler, Los Angeles, CA
Apparel & Textile Financing
Get Your Apparel & Textile Business Funded in 60 Seconds
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Built for Your Business
Why Apparel & Textile Businesses Choose Basecamp
Pre-Season Buys Lock Up Cash for Months
Spring collections commit in November. Retail orders don't arrive until February. That's $150K in inventory sitting for 4 months before you see revenue. Banks won't bridge a seasonal gap that wide. We will.
Return Allowances Wreck Your Cash Flow
Department stores take 60 days to pay and reserve 10-15% for returns. That $200K order might net $170K after chargebacks and markdowns. You need capital that accounts for the reality of fashion returns.
Trade Show Costs Hit Before Revenue Does
MAGIC booth, travel, samples, and marketing run $25K. Last year's show generated $400K in new accounts. The ROI is clear but the cash goes out 6 months before orders come in. We fund the gap.
Trend Windows Close Fast
A style is hot for one season. If you can't commit to production runs now, your competitors lock up the factory capacity. By the time your bank approves, the trend moved on and you're stuck with last season's look.
Bobby's Take
Bobby's Playbook for Apparel & Textile
Most apparel and textile wholesale distributors carry receivables that banks treat as collateral but don't actually finance against. What specialist lenders see is that department-store and boutique net-60 receivables with seasonal-collection inventory cycles are one of the most reliable cash-flow signals in commercial lending — and they fund against it differently. Invoice factoring, asset-based lines, and stacked working capital all start from your receivables, not from your balance sheet. Here's how to position your transaction so the right specialists see it first.
Three things determine whether an apparel and textile wholesale transaction closes: customer mix (department stores, specialty retail, boutique accounts), seasonal inventory cycle management, and your overseas supplier relationships. Not your personal FICO. Not your time in business. Specialist apparel wholesale lenders care about whether your monthly customer-account revenue supports a $3,500-$6,500/month payment — and whether your retail-account roster supports the inventory cycles between pre-buys and retail sell-through.
The biggest mistake apparel wholesale operators make: applying for financing during the inventory build-up phase, when the bank statement shows a working-capital deficit. The lender assumes liquidity strain, when it's actually pre-positioning for retail sell-through. The fix: produce a seasonal cycle summary showing build-up and turn-down patterns. Specialist apparel lenders normalize seasonal inventory cycles. Generalist lenders apply general working-capital assumptions and underwrite conservatively.
collection rollout revenue lost without inventory or showroom
Where this gets interesting at scale: an apparel and textile wholesale distributor adding showroom space, expanding to a new retail category, or buying inventory for a new collection doesn't need ONE loan. They need a working capital line for inventory + invoice factoring on the longer-paying department-store accounts + purchase order financing for overseas pre-buys + sometimes a SBA 504 for a showroom or warehouse purchase. Four products, multiple lenders, one application — that's how single-line apparel distributors scale into multi-line apparel and textile wholesale operations.
The apparel and textile wholesale operators who scale fastest aren't the ones who waited for retail-account contracts to be signed before pre-buying inventory. They're the ones who had inventory and showroom space ready when a department store or specialty retailer offered an additional collection. Turning down a collection rollout because you can't add inventory is $100,000-$300,000 in seasonal-rollout revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your apparel and textile wholesale business this week.
Bottom line:
Apparel wholesale operators get priced on inventory build-up phase deficits when it's pre-positioning for retail sell-through. Show the seasonal cycle — that's how a specialist normalizes the build-down pattern.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Apparel & Textiles Face
Pricing Transparency
What Apparel & Textile Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Fashion wholesale is a timing game — you buy in November, sell in March. A $150K pre-season commitment that sells through at full margin? That's a 4-month bridge loan that pays for itself three times over. We do this all day.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your operation, product category, and monthly revenue. No inventory aging report yet.
Soft Credit Screen
We screen options with no impact on FICO or supplier credit lines.
Wholesale-Specialty Lenders Compete
70+ lenders who fund distributors, importers, and wholesalers review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through inventory finance, PO finance, and factoring structures.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to fund the next inventory buy or PO.
Apparel & Textile Capital Uses
What Apparel & Textile Businesses Use Funding For
Working Capital & Cash Flow
Bridge the gap between paying suppliers and collecting from customers. Keep operations running.
Inventory & Purchase Orders
Fund large inventory buys. Fill purchase orders without draining your cash reserves.
Warehouse & Facility
Expand warehouse space, add racking, or purchase a facility with SBA financing.
Fleet & Delivery
Finance delivery trucks, vans, and logistics equipment to expand your delivery radius.
Invoice Factoring
Convert net-30/60/90 receivables into cash in 24 hours. Stop waiting on slow-paying customers.
Import & Export
Bridge ocean transit cash gaps. Finance containers, customs bonds, and international freight.
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
Need commercial insurance for your apparel & textile business?
Inventory and warehouse insurance is required for most business loans. InsuranceService365.com covers distribution companies across 29 states.
Don't Wait Until You Need Funding to Get Funded
Distribution is a working capital business. Customers pay net-30/60, suppliers want deposits, and the season's biggest buy hits before the season's biggest revenue. The distributors who scale pre-qualified BEFORE the next big PO arrived. By the time you're scrambling for $500K in inventory, the lender wants to see why you didn't plan ahead. Pre-qualify when turns are steady.
Ready?
See What Your Apparel & Textile Business Qualifies For
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
Soft-pull pre-qual · No obligation · Estimate only
Other Wholesale & Distribution Companies Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Apparel & Textile Businesses
Working Capital
Fund inventory purchases and warehouse costs. Funded in 24 hours.
Learn More →Invoice Factoring
Get paid on customer invoices today instead of waiting 30-60 days.
Learn More →Business Line of Credit
Revolving access for inventory replenishment and seasonal buys.
Learn More →Equipment Financing
Finance forklifts, racking, and warehouse equipment — asset-backed.
Learn More →FAQs
Apparel & Textile Business Loan FAQs
Apparel Distribution Loans & Fashion Wholesale Financing — $10K to $20M+
Apparel wholesale is a timing trap. You commit $150K to spring collections in November. Your retailers don't order until February. They pay net-60. And they hold back 10-15% for return allowances. So you're out $150K for 5-6 months and might not collect the full amount even then. Banks look at fashion inventory and see risk. We look at it and see a business that's been selling through at 90%+ for three years.
And the trade shows. MAGIC costs $25K between the booth, travel, and samples. Last year it generated $400K in new accounts. But try explaining that ROI to a bank loan officer who's never been to a showroom. We've funded apparel wholesalers from $20K sample runs to $1M seasonal buys. 60-second application, no hard pull, and we don't need you to wait until the season's already started.
Stop Letting Inventory Cycles Outpace Customer Payments. Get Your Apparel & Textile Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide