Financing & Loans

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 a Wholesale Loan

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.

  • 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.

  • 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    You don’t need broken or outdated equipment limiting your business.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

Ready to expand your wholesale business with a wholesale finance loan? Here’s what you need to get started.

Minimum Requirements
Time in Business Minimum 6 Months
Business Annual Growth Revenue $180K+ Annual Revenue
Business Checking Account Yes
US Citizen/Based Company Yes
FICO Score 500+
Other Financing None
Bankruptcies None open

Better Your Business With Fora Financial

  • Expand Product Lines

  • Buy Inventory

  • Repair or Replace Equipment

  • Invest in the Latest Technology

  • Invest in Marketing

  • Afford Expansion Projects

What Fora Financial customers say

"We couldn't do it without the help of Fora Financial, and the people there are just tremendous. I highly recommend the financing program to anyone that needs it.”

John Bogonis, Owner / Carlisle Bakery, Carlisle, PA

“The integrity and relationship is extremely strong, really appreciated the way Fora Financial worked with us and it was such a positive experience for my company and for myself.”

Rodney Thomas, Owner / Thomas and Herbert Consulting

"I didn't have any capital or line of credit to start with, so I applied to Fora Financial for a loan. The team was easy to work with. Fora's products can help small businesses weather ripples in the economy that might otherwise be a serious problem."

Debra Heim, Very Best Little Hairhouse, Sharon, PA

“With Fora Financial, he was able to get an approval with minimal paperwork and the financing he needed within 3 business days.”

Juan Manuel Perez, Restaurant Owner / Pita Grill, New York, NY

“The process at Fora Financial was quite transparent, you know what you were getting into, quite honest, actually very easy and as I grew and took more advances, the terms got better.”

Dickson Shreffler, Owner / Sleepy Poet Antique Mall, Charlotte, NC

“There's no such thing as cut and dry any more, it doesn't work that way and Fora Financial was able to do that and they are still able to do that today. I hope we can continue this relationship for years to come.”

Russell Bobo, Owner / Bobo Engineering Incorporated

“True to their word, Fora Financial provided substantial funds that allowed us to get some very nice jobs.”

Ed Campany, Owner / Campany Roof Maintenance, West Palm Beach, FL

“Fora Financial provides better banking in general.”

Ismael Lopez, Owner / PR Wraps, Miami, FL

“When Fora Financial offered the opportunity to provide us with capital, we jumped right on it. We thought it was a win-win situation. It makes sense.”

Joseph Pou, Owner / J&J Pool and Beach Services

“If it wasn't for Fora Financial I don't know if we would have made it through the summer.”

Carl Busset, Owner / The 19th Hole at the Saints, Port St Lucie, FL

"Thanks to the working capital I received from Fora Financial, I was able to retain my employees during a challenging time. Applying was easy and the turnaround time was great!"

Denise Barron, Proprietor / Growing Patch Learning Center, Pittsburgh, PA

Wholesale Finance FAQ

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.
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.
We offer wholesale financing to small businesses that qualify. Contact our team to learn more about the different wholesale finance options.
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.

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.