Industrial supply distribution requires deep inventory across thousands of SKUs — fasteners, abrasives, safety products, cutting tools — and manufacturing clients who expect same-day delivery. Between VMI stocking programs, supplier minimum orders, and the working capital to maintain availability — industrial distributors need capital that keeps shelves full.
This Is Why You're Here
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
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
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.
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.
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.
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.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Steel/commodity price lock-ins | Steel prices are at a 6-month low. Buying $200K in fastener stock now saves $40K when prices normalize. But the buy window closes in 2 weeks and your cash is tied up in existing inventory. | Working Capital | $10K–$2M | 1–3 days |
| Large project order fulfillment | A steel manufacturer needs you to supply $120K in cutting tools, abrasives, and safety gear for a plant expansion. They pay net-30 but you need the inventory before the first delivery. | PO Financing | $25K–$5M | 3–5 days |
| Fleet delivery truck replacement | Your delivery truck fleet is aging and breakdowns cost you same-day delivery promises. Two new box trucks at $45K each keep your manufacturing clients from calling your competitor. | Equipment Financing | $10K–$5M | 3–7 days |
| Warehouse racking expansion | You won 3 new VMI contracts but your warehouse shelving is maxed out. New pallet racking, mezzanine flooring, and bin systems cost $60K to install. | Equipment Financing | $10K–$5M | 3–7 days |
| New territory expansion | Your main competitor in the next county just closed. Their 15 biggest accounts are calling you — $120K/month in potential revenue. But onboarding them requires $200K in immediate inventory. | Working Capital | $10K–$2M | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 3-18mo | 8-22% APR | 1-3 days |
| Business LOC | $10K–$5M | Revolving | 8-24% APR | 1-5 days |
| Invoice Factoring | $10K–$5M | Per invoice | 1-3% per 30 days | 1-2 days |
| Equipment Financing | $10K–$5M | 2-6yr | 5-14% APR | 3-7 days |
| PO Financing | $25K–$5M | Per order | 1.5-4% per 30 days | 3-5 days |
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 →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, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Industrial Supply Capital Uses
Bridge the gap between paying suppliers and collecting from customers. Keep operations running.
Fund large inventory buys. Fill purchase orders without draining your cash reserves.
Expand warehouse space, add racking, or purchase a facility with SBA financing.
Finance delivery trucks, vans, and logistics equipment to expand your delivery radius.
Convert net-30/60/90 receivables into cash in 24 hours. Stop waiting on slow-paying customers.
Bridge ocean transit cash gaps. Finance containers, customs bonds, and international freight.
Full Transparency
Most lenders won't tell you this upfront. We will.
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.
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?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
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Learn More →FAQs
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.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide