# Working Capital Financing for Wholesale Distribution

**Capital to Support Inventory, Sales & Distribution.**

Wholesale distributors often invest in inventory and supplier relationships before collecting payment from business customers.

We provide working capital financing solutions supported by eligible receivables, inventory, and qualifying supplier payment arrangements.

## Financing That Moves With Inventory

Wholesale distribution businesses need capital to purchase products, maintain inventory availability, fulfill customer orders, and manage ongoing supplier obligations.

As sales increase, the need to replenish inventory may arise before outstanding customer invoices have been collected.

A revolving financing facility can help address these timing differences by providing working capital supported by qualifying inventory and trade receivables.

We structure financing around the distributor's inventory turnover, purchasing requirements, customer payment terms, and underlying asset base.

## Supporting Wholesale Operations

- **Inventory Purchases.** Finance eligible inventory held for resale to commercial customers.
- **Supplier & Vendor Payments.** Support qualifying purchasing obligations and inventory replenishment requirements.
- **Customer Receivables.** Access liquidity against eligible invoices while awaiting payment from business customers.

## Financing Options for Wholesale Distributors

- [Asset-Based Lending](https://www.gobacapital.com/solutions/asset-based-lending/): Revolving credit facilities supported by qualifying inventory and receivables.
- [Receivables Financing](https://www.gobacapital.com/solutions/receivables-financing/): Access working capital against eligible commercial invoices.
- [Supply Chain Financing](https://www.gobacapital.com/solutions/supply-chain-financing/): Support supplier payment arrangements aligned with procurement and customer collection cycles.

## Financing Based on Inventory & Sales Activity

Wholesale inventories can include fast-moving merchandise alongside slower-moving or specialized products.

We consider inventory turnover, customer payment terms, supplier arrangements, and potential credits or returns to develop a structure supported by the company's operating assets and financing requirements.

## Support Your Next Distribution Opportunity.

Explore financing solutions aligned with your inventory and working capital requirements.