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
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
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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.
What You're Up Against
The Real Challenges Apparel & Textiles Face
Pricing Transparency
What Apparel & Textile Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
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
Your funding specialist presents 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.
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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
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
No hard credit pull · 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 $10M+
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 Waiting on Banks. Get Your Apparel & Textile Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide