Wholesale Financing, Loans & Funding
At Fora Financial, we provide personalized wholesale loans to businesses nationwide.
We're a Funding Partner
with a Proven Track Record
Since 2008, we've grown with the companies we support.
What Is Wholesale Financing?
Wholesale finance is a loan provided to a business that is engaged in wholesaling of products to other businesses. It allows a business the opportunity to build up inventory for sale, account for sudden changes in demand, and be ready to take advantage of growth opportunities when they arise. This means that they will have the inventory available for retailers when it’s needed the most.
How Financing Works for Wholesale Businesses
Wholesale businesses need lending for a variety of purposes. Because the demand can ebb and flow, having lending to cover regular businesses expenses, payroll, and product acquisition is beneficial. Wholesale funding options include the ability to invest in marketing campaigns, expand operations, buy new equipment, and more.
Use Cases
How To Use Wholesale Financing or Funding
Using a wholesale loan will depend on your business needs and the terms of the loan. While some loans are suited for buying equipment, other lines of credit will help you pay for incidentals and keeping enough product on hand.
Learn Why Us-
Inventory
Wholesale businesses rely on having the right inventory on hand from suppliers to sell to retail stores. Wholesale financing ensures that the business can get what they need when they need it.
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Expansion
Expanding wholesale operations takes money. You don’t want to tie up all your cash flow into these projects. That’s where getting a wholesale finance loan can help.
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Equipment
You don’t need broken or outdated equipment limiting your business. Get the right equipment loan to help you repair or replace your current equipment.
Why Apply for a Wholesale Loan?
Implement the Latest Technology
From software to picking and packing tools, getting a loan to pay for wholesale technology can take your business to a new level.
Invest in Marketing
Want to connect with the right buyers? Marketing helps your wholesale business do just that. Leverage a variety of lending options designed just for wholesale companies.
Hire Talented Professionals
Getting the right staff members is worth its weight in gold. Wholesale loans give you access to funding to help you hire the right professionals for your business.
Minimum Eligibility Requirements for Wholesale Financing, Loans & Funding
Ready to expand your wholesale business with a wholesale finance loan? Here’s what you need to get started.
| Time in Business | Minimum 6 Months |
|---|---|
| Business Annual Growth Revenue | $240K+ Annual Revenue |
| Business Checking Account | Yes |
| US Citizen/Based Company | Yes |
| FICO Score | 570+ |
| Other Financing | None |
| Bankruptcies | None open |
Better Your Business With Fora Financial’s Wholesale Funding
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Expand Product Lines
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Buy Inventory
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Repair or Replace Equipment
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Invest in the Latest Technology
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Invest in Marketing
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Afford Expansion Projects
Case Studies
Fast Capital for Fast Repair
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Funding Amount: $200,000
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Industry: Railroad Equipment Repair
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Use of Funds: Equipment
Learning Growth
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Funding Amount: $825,000
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Industry: Education
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Use of Funds: Inventory
Powering Growth in Electricity
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Funding Amount: $775,000
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Industry: Commercial & Residential Electric
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Use of Funds: Personnel and Equipment Upgrades
Featured Funding
Bridge Funding
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Funding Amount: $2,000,000
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Industry: Construction
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Use of Funds: Bridge funding
Technology and Data Services
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Funding Amount: $700,000
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Approval Amount: $1.1 Million
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Industry: Technology / Data Services
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Use of Funds: Cash Flow Liquidity
Communications Expansion
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Funding Amount: $1 Million
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Approval Amount: $1.2 Million
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Industry: Telecommunications
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Use of Funds: Expansion
Featured Funding
Stabilizing Growth
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Initial Funding Amount: $750,000
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Add-on Opportunity: $450,000
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Industry: Manufacturing
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Use of Funds: Financial Stability, Growth
Automation Growth
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Funding Amount: $300,000
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Approval Amount: $450,000
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Industry: Manufacturing / Automation
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Use of Funds: Working capital
FAQs About Wholesale Funding, Financing & Loans
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The main difference in this type of funding is whether it’s going to a business to business operation or a business to consumer operation. Wholesale businesses sell to other businesses that then sell to the end user or the consumer. Lenders look at different variables when they are determining if they should lend to a retail or wholesale business.
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The application for a wholesale line of credit or other type of wholesale loan can take as few as 30 minutes to complete. After that, your options should be ready to view within 3 weeks or so. Some applications are much more straightforward and will take less time to process.
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We offer wholesale financing to small businesses that qualify. Contact our team to learn more about the different wholesale finance options.
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Taking advantage of wholesale financing can allow you to expand your business operations without putting other parts of your business at risk. Not only that, but you can use different loans for payroll, buying inventory, improving cash flow and more.
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Many wholesale financing lenders offer approvals within 24 to 72 hours, with funds available within a few business days, depending on the type of loan and lender.
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Yes, wholesale loans are often used to buy inventory in bulk, allowing businesses to take advantage of supplier discounts and prepare for seasonal demand.
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Sometimes, wholesale funding may require collateral (such as inventory or business assets) while others, like unsecured loans or lines of credit, do not.
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Yes, loans for wholesalers can help bridge cash flow gaps caused by delayed payments from retailers, ensuring that business operations continue smoothly.
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Yes, inventory financing, invoice factoring, and business lines of credit are common financing options designed specifically for wholesale distributors.
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Yes, wholesale financing can be used to fund expansion projects, including leasing a larger warehouse, upgrading storage facilities, and optimizing distribution processes.
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A wholesale lender will typically review business revenue, credit history, time in business, inventory turnover, and ability to repay the loan before approving wholesale financing.
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Yes, wholesale funding can be used to develop e-commerce platforms, improve digital marketing, and expand online sales channels.
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If a personal guarantee is required, missing payments could impact your personal credit. However, responsible repayment of wholesale funding can also help build your business credit.
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Wholesale lending companies will allow early repayment, but be aware - some may charge prepayment penalties. Be sure to review the loan terms before signing.
What Sets Us Apart from the Rest
Get Financing Today
Get started with your application and join Fora Financial's family of forward-thinking businesses.