Wholesale & Distribution Business Loans, Funded in as Little as 24–48 Hours
$20,000 to $500,000+ for wholesalers, distributors and importers through one 60-second form. One application for our lender network and one dedicated specialist who knows how distributors earn. Wholesale business loans from $20K to $500K+ for distributors, importers, and suppliers nationwide.
- Inventory before the invoice pays. Stock the warehouse for peak season while net-30 and net-60 customers catch up.
- Money for the container, the new account or the second warehouse. Whatever it’s for, it can move fast.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Your Distribution Business Qualifies For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
What Distributors Fund with It
Distribution is a margin-and-volume business where cash sits on the shelf and in receivables. Funding keeps product moving between the two.
- Bulk inventory buysTake the volume discount or the container deal without draining the operating account.
- Receivables gapsCover payroll, freight and supplier terms while large accounts pay on net-60.
- Forklifts, racking and vehiclesMaterial-handling equipment, delivery vans and warehouse upgrades.
- New accounts and territoriesCarry the extra stock and staff a big retailer or a new region requires.
One Application, Every Option That Fits a Distributor
Amounts and timing depend on your file. SBA, term loans and revenue-based financing are also available through the same form.
Working Capital Loan
Short-term capital for payroll, inventory, materials or a slow stretch.
Business Line of Credit
Draw for predictable seasonal swings and redraw as you repay.
Invoice & Receivables Financing
Advance against invoices that are billed but unpaid, instead of waiting on net-30 to net-90 terms.
Equipment Financing
Finance the equipment you need, where the equipment itself is the collateral.
Established Businesses Qualify Fastest
Three things decide the menu of offers. None of them is a perfect credit score.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score. Lines of credit need 650+.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Wholesale Business Loans Sized to Your Inventory Cycle
You pay suppliers up front and wait 30 to 90 days on customer terms. Wholesale business financing closes that gap so you can keep buying and shipping.
Wholesale Business Loans
Pallets ordered, containers landed, invoices out on net-60. Wholesale business funding from $20K to $500K+ covers the gap between paying suppliers and getting paid, with decisions in 24–48 hours and a specialist who shows the total cost before you sign. One application reaches our whole network.
Distribution Business Loans
Trucks, warehouse racking, a bigger lease, and the inventory to fill it. Distribution business funding should match your cash cycle: a working capital advance repaid from deposits, a term loan of up to 3 years, or a line of credit you draw on per purchase order.
Wholesale Business Inventory Financing
A supplier offers a volume discount this month, or a seasonal product needs to be in stock by October. Wholesale business inventory financing lets you buy now and repay as the product sells through, and the funds land in your business account, not with the vendor.
Fast Wholesale Business Loans
When a container is at port and the balance is due, speed matters. Fast wholesale business loans get decisions in 24–48 hours, and same-day funding is available on some products for established distributors with steady deposits and complete bank statements.
Distributor Business Loans
Food, beverage, auto parts, building supplies, electronics, apparel: distributor business loans through our network serve them all. Qualifying takes 1+ year in business and $20K+ in monthly revenue, and we start with a soft credit check that does not affect your score.
Wholesale Business Working Capital
Receivables grow with every new account you land, and so does the cash tied up in them. Wholesale business working capital through a line of credit renews as you repay, so you can extend terms to good customers without slowing down your own purchasing.
Straight Answers Before You Apply
How fast can a wholesaler or distributor get funded?
Working capital and revenue-based options can fund in as little as 24–48 hours once approved. Receivables financing, equipment financing and lines of credit typically take 48–72 hours. Your specialist gives you the realistic timeline before you commit to anything.
Can I get funding with less-than-perfect credit?
Often, yes. Revenue-based options are underwritten mainly on your business deposits and sales volume, not your personal score. Lines of credit need 650+ credit.
Can I use the funds to buy inventory from an overseas supplier?
Yes. Working capital and lines of credit are unrestricted, so you can pay a supplier deposit, a freight forwarder or a customs bill. Your specialist can also look at receivables financing if large customers are the reason cash is tight.
Can a new distribution company qualify?
Not through this program. It’s built for operating wholesalers and distributors with at least one year in business and $250,000+ in annual revenue.
How fast can a wholesale business get funding?
Most distributors see decisions in 24–48 hours, and same-day funding is available on some products. Wholesale business funding moves fastest when you upload three to four months of business bank statements with your application, so funders can review deposits and volume immediately.
What can distribution business loans be used for?
Anything the business needs: inventory buys, warehouse equipment, delivery vehicles, software, hiring sales reps, or covering payroll while receivables come in. Distribution business loans through RAN Funding have no restrictions beyond running the business, and your specialist shows the total cost before you sign.
Do wholesale business loans require collateral?
Usually not. Funders in our network base wholesale business loans on monthly revenue and time in business rather than inventory or property liens. Distributors with 1+ year in operation and $20K+ in monthly deposits typically see several unsecured options to compare, and we start with a soft credit check.
Is wholesale business financing the same as inventory financing?
Inventory financing is one use of it. Wholesale business financing also covers receivables gaps, equipment, and expansion. Your specialist presents the structures that fit your cash cycle, from wholesale business inventory financing repaid as product sells to a reusable line of credit, with the total cost of each.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.