This Is Why You're Here
Why Industrial Supplys Come to Us Instead of Their Bank
A manufacturing plant wants you to manage their VMI program — $80K initial stocking across 2,000 SKUs. They consume $25K/month but the setup cost is all upfront.
Your cutting tool supplier raised minimum orders from $30K to $60K. The extra volume gets you into a better pricing tier that saves 8% annually. But you need the cash now.
Three new accounts signed this quarter — $45K/month in recurring orders. Initial stocking across all three costs $90K and they all pay net-30.
Your main competitor just closed. Their 15 biggest accounts are calling you — $120K/month in potential revenue. But onboarding them requires $200K in immediate inventory across fasteners, abrasives, and safety products.
A steel plant wants you to install vending machines for PPE and cutting tools on their floor — $55K for 8 machines plus initial stocking. The machines auto-reorder and generate $9K/month in recurring revenue.
Won a VMI contract with a steel manufacturer — $80K initial stocking across 2,000 SKUs. Basecamp funded me in 36 hours. That contract now generates $25K/month in recurring orders. Best investment I've made.
Raymond S., Industrial Supply Distributor, Pittsburgh, PA
Industrial Supply Financing
Get Your Industrial Supply 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.
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Built for Your Business
Why Industrial Supply Businesses Choose Basecamp
VMI Setup Costs Hit All at Once
You won a vendor-managed inventory contract with a steel manufacturer — $80K to stock 2,000 SKUs across their facility. The $25K/month recurring revenue is gold. But that $80K is due before you see dollar one. We fund VMI setups in 36 hours.
Supplier Minimums Jump Overnight
Your cutting tool supplier just raised the minimum from $30K to $60K. You need the higher tier to keep your 8% discount. Losing that pricing costs you $45K a year. The extra $30K in working capital pays for itself in 8 months.
10,000 SKUs Need Constant Restocking
Manufacturing clients expect same-day delivery on fasteners, abrasives, and safety gear. If you're out of stock on a $12 item, they switch to a competitor who has it. Deep inventory costs real money. We keep your shelves full.
New Account Stocking Eats Your Cash
Three new manufacturing accounts signed this quarter — $45K/month in recurring orders. But the initial stocking across all three costs $90K upfront. Your cash is already tied up in existing inventory.
Bobby's Take
Bobby's Playbook for Industrial Supply
Most industrial supply wholesale distributors carry receivables that banks treat as collateral but don't actually finance against. What specialist lenders see is that manufacturing-account net-45 MRO receivables with broad SKU-depth inventory 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 industrial supply wholesale transaction closes: customer mix (manufacturing accounts, MRO contracts, government), SKU depth and inventory turnover, and your supplier-relationship stability. Not your personal FICO. Not your time in business. Specialist industrial supply lenders care about whether your monthly customer-account revenue supports a $4,500-$7,500/month payment — and whether your MRO and manufacturing-account roster gives the file recurring contracted-revenue stability.
The biggest mistake industrial supply operators make: applying without showing the breakdown between MRO contract revenue and one-off transactional sales. The lender sees mixed deposits and underwrites to the transactional side. The fix: separate MRO contract revenue from one-off transactional revenue. Specialist industrial supply lenders price MRO contracts as recurring contracted revenue. Generalist lenders treat all wholesale revenue as transactional.
MRO consolidation revenue lost without SKU depth
Where this gets interesting at scale: an industrial supply distributor adding warehouse capacity, expanding into a new product category, or buying a building doesn't need ONE loan. They need a working capital line for SKU inventory + invoice factoring on slower-paying manufacturing accounts + purchase order financing for big customer pre-buys + sometimes a SBA 504 for a warehouse purchase. Four products, multiple lenders, one application — that's how single-warehouse industrial distributors scale into multi-region MRO operations.
The industrial supply wholesale operators who scale fastest aren't the ones who waited for the manufacturing account to give them an MRO contract before adding inventory. They're the ones who had SKU and warehouse capacity ready when a manufacturing customer offered an MRO consolidation. Turning down an MRO consolidation because you can't add SKU depth is $80,000-$200,000 in monthly recurring contracted revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your industrial supply wholesale business this week.
Bottom line:
Industrial supply wholesale operators get priced on transactional one-offs when MRO contracts are recurring contracted revenue. Separate the contracts on the file — generalists treat all wholesale as transactional.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Industrial Supplys Face
Pricing Transparency
What Industrial Supply 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 →Industrial supply is the backbone of manufacturing — and VMI contracts are gold. An $80K stocking investment that spins off $25K a month in recurring revenue? That's the kind of project where financing pays for itself by week six.
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.
Industrial Supply Capital Uses
What Industrial Supply 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 industrial supply 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 Industrial Supply 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 Industrial Supply 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
Industrial Supply Business Loan FAQs
Industrial Supply Distribution Loans — $10K to $20M+
Industrial supply is a different animal. You're carrying 10,000+ SKUs — fasteners, abrasives, cutting tools, safety products — and your manufacturing clients expect same-day delivery on all of it. One stockout and they call your competitor. That means you've got $200K-$500K tied up in inventory at any given time. And when a new VMI contract lands, the stocking cost is all upfront. We've funded $80K VMI setups in 36 hours flat.
And here's what banks don't get about industrial distribution. Your revenue is recurring and sticky. A manufacturing plant that puts you on VMI doesn't switch suppliers over a nickel. But banks see $300K in inventory and get nervous. Our 70+ lenders see the recurring revenue behind it. $15K supplier order or a $1M inventory build — 60 seconds to apply, no hard pull.
Stop Letting Inventory Cycles Outpace Customer Payments. Get Your Industrial Supply Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide