The Pinch Points
Why Consumer Goods Distributors Come to Us Instead of Their Bank
Consumer goods is a volume game on thin margins — big-box POs land with tight windows, imports tie up cash on the water, and the retailer pays in 60. Your bank wants two years of financials. Sound familiar?
Big-Box PO, 14-Day Window
A major retailer placed a $200K purchase order with a 14-day delivery window. You need $120K in inventory from a supplier who wants net-30, and the retailer pays net-60.
FBA Scaling Faster Than Cash
Your Amazon FBA business is scaling — $80K for inventory restocking and $15K for PPC. Revenue is growing 25% quarter over quarter, but cash is always a step behind.
Product Launch, Funded First
A new product launch needs $50K in initial inventory plus $20K in packaging and marketing. Pre-orders look strong, but you have to fund production first.
Compliance Chargeback Hit
Your biggest retailer sent a $14K compliance chargeback — wrong case pack on a $110K shipment. Now you're short to restock for next month and the deduction already hit your account.
3PL Rates Jump 18%
Your 3PL warehouse is raising rates 18% in 60 days. Moving to your own facility saves $4K a month, but the lease deposit, racking, and forklift total $75K upfront.
8% Held Back Every Invoice
The big-box vendor agreement adds a chargeback reserve — they hold back 8% of every invoice against returns, so a $90K month leaves $7K stranded that you’ve already paid your factory for.
What an operator said
“A container of our hero SKU was three weeks out and the factory wanted 50% down to start the next run before the first sold through. The line fronted it — we never went out of stock through Q4.”
Derek P. · consumer-goods distributor · Columbus, OH
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Consumer Goods Distributors
PO Financing for Big-Box Orders
A national retailer's order lands with a tight ship window and net-60 terms — PO financing funds the inventory against the order so you fill it on time instead of losing the account to the wait.
Bridge the Import Gap
When an overseas supplier wants a wire before the container loads, trade and inventory financing covers the goods on the water so you keep ordering instead of waiting weeks to see a dime.
A Line for Q4 Seasonality
You buy in summer and sell in Q4 — a revolving line funds the inventory build so months of stock in the warehouse doesn't drain the cash you run on.
Warehouse & Fleet, Section 179
Racking, a pick-and-pack conveyor, and delivery vans keep orders moving — a fraction down with the equipment as collateral, full Section 179 write-off, and terms that match the asset's life.
Match Your Situation
The Cash-Flow Gaps We Fund for Consumer Goods Distributors
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Container shipment pre-payment | Your overseas supplier wants a wire before the container loads — $130K on the water for six weeks before a single retail buyer pays. | Working Capital | $75K–$300K | 1–3 days |
| Retail buyer payment delays | Amazon pays net-30 after delivery and big-box retailers pay net-60. You shipped $200K in product and won't see cash for two months while suppliers want paying now. | Invoice Factoring | $75K–$1M | 1–2 days |
| Warehouse expansion | Your 3PL is raising rates 18%. Moving to your own facility saves $4K a month, but the lease deposit, racking, and forklift total $75K upfront. | Working Capital | $75K–$300K | 1–3 days |
| Seasonal pre-buy for holiday | 60% of your revenue comes in Q4, but you commit $150K in inventory by August — three months of cash out before the first holiday order ships. | Business LOC | $75K–$1M | 1–5 days |
| Retailer chargebacks and returns | A major retailer returned $45K in unsold product under a markdown allowance. You're stuck with the inventory and short on cash to buy next season's product. | Working Capital | $75K–$300K | 1–3 days |
The Products
How Consumer Goods Financing Is Structured
Most consumer-goods distribution files fund between $75K and $5M+, structured to the inventory, PO, or account in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | PO fulfillment, restock, payroll | 1–3 days | Often unsecured, daily/weekly ACH |
| Business LOC | $75K–$5M+ | Revolving | Rolling inventory, seasonal buys | 1–5 days | Unsecured line, no PG by default |
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Racking, pick-and-pack gear, delivery vans | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Slow-paying retailer receivables | 1–2 days | Invoices secure the line, no PG typically |
Tax Strategy
Section 179 on Racking, Pick-and-Pack, and Delivery Vans — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Consumer-goods distribution lives on fulfillment speed — the big-box and marketplace accounts go to whoever can pick, pack, and ship at volume without errors. $150K in a pick-and-pack conveyor and fleet is that throughput. Finance it with a fraction down and §179 writes off the full $150K in year one. The conveyor that holds the account and shrinks the tax bill.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a consumer goods file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Consumer Goods Distribution Financing
The 74-Day Gap on a Single Order
Here's what kills consumer-goods distributors. A big-box retailer drops a $200K PO with a 14-day delivery window. Your supplier wants net-30. The retailer pays net-60. That's a 74-day cash gap on one order — and if you can't fill it, they call the next distributor on the list. We've funded inventory in 48 hours so wholesalers fill orders and keep accounts they spent years landing.
One Application, 70+ Lenders
Consumer goods is a volume game with thin margins, and you can't turn down orders because last month's shipment locked up your cash. We match you with 70+ lenders who fund against purchase orders, invoices, and revenue. A $75K restock or a $5M seasonal buy — one 60-second application, soft-pull review to start, and no hard pull.
Common Questions
Consumer Goods Financing — Questions, Answered
Inventory or PO financing fronts the stock against the order and your revenue, repaid as the retailer pays; soft-pull review to start.
Yes. PO financing advances against committed purchase orders from creditworthy retailers. A $200K order from a national chain can secure $120K–$160K to fund the inventory purchase, often within 3–5 days.
Working capital bridges the cash gap during ocean transit — typically 4–8 weeks. Lines of credit provide revolving access for ongoing import purchases, and both fund fast enough to lock in supplier pricing.
Invoice factoring advances 80–90% of outstanding retailer invoices within 24 hours. A $200K invoice at net-60 becomes $170K–$180K in cash tomorrow instead of in two months.
Both. Equipment financing covers racking, pick-and-pack gear, and vans (a fraction down, full Section 179 write-off); a working line fronts the inventory.
No. Soft credit pull only — zero FICO impact.
Recommended Funding
The Products That Fit Consumer Goods Work
Other Wholesale & Distribution Businesses