This Is Why You're Here
Why Consumer Goodss Come to Us Instead of Their Bank
A major retailer placed a $200K purchase order with a 14-day delivery window. You need $120K in inventory from your supplier who wants net-30 payment. The retailer pays net-60.
Your Amazon FBA business is scaling — you need $80K for inventory restocking and $15K for PPC advertising. Revenue is growing 25% quarter-over-quarter but cash is always behind.
A new product launch requires $50K in initial inventory plus $20K in packaging and marketing materials. Pre-orders look strong but you need to fund production first.
Your biggest retailer just sent a compliance chargeback for $14K — wrong case pack configuration on a $110K shipment. Now you're short on cash to restock for next month's orders and the deduction already hit your account.
Your 3PL warehouse is raising rates 18% in 60 days. Moving to your own facility saves $4K/month but the lease deposit, racking, and forklift total $75K upfront.
A big-box retailer dropped a $200K PO with a 14-day window. I needed $130K for inventory and my bank wanted 3 weeks. Basecamp matched me with a lender who funded in 48 hours. Filled the order, kept the account.
Jennifer W., Consumer Goods Wholesaler, Charlotte, NC
Consumer Goods Financing
Get Your Consumer Goods 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. Soft-pull pre-qual.
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
Built for Your Business
Why Consumer Goods Businesses Choose Basecamp
Big-Box POs Won't Wait for Banks
Target sent a $200K purchase order with a 14-day ship window. Your bank needs 3 weeks to approve. Miss the window, lose the account forever. We fund PO fulfillment in 48 hours.
Import Lead Times Eat Your Cash
Your supplier in Shenzhen wants wire transfer before loading the container. That's $130K on the water for 6 weeks before you see a dime. We bridge the import gap so you can keep ordering.
Seasonal Swings Crush Thin Margins
You do 60% of your revenue in Q4 but need to buy inventory in August. That's $150K in product sitting in your warehouse for 3 months before it starts selling. Banks don't like seasonal businesses. We do.
Retailer Chargebacks Hit Without Warning
A $12K routing compliance chargeback from a major retailer just ate your margin on a $90K order. Now you're short on cash for next month's restock. We fund through the chargeback chaos.
Bobby's Take
Bobby's Playbook for Consumer Goods
Most consumer goods wholesale distributors carry receivables that banks treat as collateral but don't actually finance against. What specialist lenders see is that big-box retail net-60 receivables with seasonal-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 a consumer goods wholesale transaction closes: customer concentration (top 5 retail accounts), inventory turnover, and seasonal-cycle management. Not your personal FICO. Not your time in business. Specialist consumer goods wholesale lenders care about whether your monthly retail-account revenue supports a $4,500-$8,000/month payment — and whether your retail-account roster gives the file recurring contracted-revenue stability through the seasonal cycles.
The biggest mistake consumer goods wholesale operators make: applying without showing seasonal-inventory cycles. The lender sees a Q1 inventory build-up and assumes liquidity strain, when it's actually pre-positioning for Q2 retail sell-through. The fix: produce a seasonal-inventory cycle summary showing build-up and turn-down patterns. Specialist consumer goods wholesale lenders normalize seasonal cycles. Generalist lenders apply general working-capital assumptions and underwrite conservatively.
seasonal-rollout revenue lost without warehouse capacity
Where this gets interesting at scale: a consumer goods wholesale distributor adding warehouse capacity, expanding into a new retail account category, or buying a building doesn't need ONE loan. They need equipment financing for material-handling and warehouse equipment + a working capital line for inventory floats + invoice factoring on the longer-paying retail net-60 accounts + sometimes purchase order financing for big bulk pre-buys + sometimes a SBA 504 for a building. Five products, multiple lenders, one application — that's how single-warehouse consumer goods distributors scale into multi-warehouse regional operations.
The consumer goods wholesale operators who scale fastest aren't the ones who waited for the retail account to give them a multi-year contract before adding inventory. They're the ones who had inventory and warehouse capacity ready when a big-box retailer offered a new product rollout. Turning down a retail rollout because you can't add inventory is $200,000-$500,000 in seasonal-rollout revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your consumer goods wholesale business this week.
Bottom line:
Consumer goods wholesale operators get priced on Q1 working-capital deficits when it's pre-positioning for Q2 sell-through. Show the seasonal cycle — that's how a specialist sees the build-up as productive capital.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Consumer Goodss Face
Pricing Transparency
What Consumer Goods 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 →Consumer goods is all about the PO. When Target or Walmart sends a $200K order, you can't tell them to wait while your bank committee meets. We've funded $130K in 48 hours so distributors can fill orders and keep the account.
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.
Consumer Goods Capital Uses
What Consumer Goods 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 consumer goods 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 Consumer Goods 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 Consumer Goods 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
Consumer Goods Business Loan FAQs
Consumer Goods Distribution Loans & Wholesale Financing — $10K to $20M+
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 a single order. And if you can't fill it? They call the next distributor on the list. We've funded $130K in 48 hours so wholesalers can fill orders and keep accounts they spent years landing.
Consumer goods is a volume game with thin margins. You can't afford to turn down orders because your cash is locked up in last month's shipment. We match you with 70+ lenders who fund against purchase orders, invoices, and revenue. $25K restock or a $2M seasonal buy — 60-second application, no hard pull, and nobody asks you to wait 3 weeks.
Stop Letting Inventory Cycles Outpace Customer Payments. Get Your Consumer Goods Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide