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Wholesale & Distribution Capital
Structured working capital for inventory acquisition, warehouse operations, and receivable management across active distribution channels.
ELIGIBLE OPERATORS
- •Food & beverage distributors
- •Building materials & supply companies
- •Auto parts & industrial wholesalers
- •Consumer goods distributors
- •Pharmaceutical & medical supply
- •Specialty importers scaling distribution
CAPITAL USED FOR
- •Bulk inventory purchases
- •Supplier prepayments
- •Warehouse staffing & operations
- •Fleet & delivery logistics
- •Receivable gaps on net-30 to net-60 terms
- •New territory & account expansion
CAPITAL USED FOR
- •Bulk inventory purchases
- •Supplier prepayments
- •Warehouse staffing & operations
- •Fleet & delivery logistics
- •Receivable gaps on net-30 to net-60 terms
- •New territory & account expansion
Estimate Your Capital Need
Capital Needs Assessment. Wholesale & Distribution
Enter your operating profile to estimate your working capital gap and recommended facility structure.
Estimated Capital Profile
Inventory float
$325,000
15-day gap exposure
AR exposure
$1,500,000
45-day buyer cycle
Estimated capital gap
$925,000
Identified capital need
This figure reflects your inventory float and accounts receivable exposure based on your supplier and buyer payment cycles. Most distributors address the gap in phases. A typical first facility ranges from $200K to $600K depending on your most immediate inventory obligations. Enter your contact information below to see a structured breakdown for your operation.
Request a Capital Review. A capital advisor will review your assessment and follow up to discuss structure options.
Estimates are for advisory reference only. All structures subject to full financial review.
Built for Active Distribution Operations
We work with established distributors and wholesalers managing inventory turns, supplier terms, and buyer payment cycles.
- Food and beverage distributors
- Building materials and supply companies
- Auto parts and industrial supply wholesalers
- Consumer goods and general merchandise distributors
- Pharmaceutical and medical supply companies
- Specialty importers scaling domestic distribution
Most clients generate $300K to $3M+ in monthly revenue with recurring wholesale accounts.
Typical Working Ranges
Inventory procurement and operating liquidity
Multi-warehouse scaling and growth capital
Large-scale distribution expansion
All structures are tailored to inventory cycles and buyer payment terms.
Where Capital Is Deployed
- Bulk inventory purchases and supplier prepayments
- Warehouse staffing and operational costs
- Fleet and delivery logistics
- Receivable gap coverage on net-30 to net-60 terms
- New product line acquisition and SKU expansion
- Seasonal inventory buildup
- Territory expansion and new account onboarding
Structured Review Process
- 1.Initial discussion around inventory volume, supplier terms, and revenue flow
- 2.Review of recent business performance and receivable aging
- 3.Capital structure options presented
- 4.Ongoing relationship as distribution operations scale
A Capital Advisory Approach
We work directly with private capital sources who understand distribution. Funding is structured around inventory turns, supplier terms, and fulfillment timelines, not generic credit products.
- Familiar with wholesale inventory and supplier dynamics
- Experience supporting multi-territory distribution operations
- Discreet and direct communication
- Long-term capital access as distribution scales
Representative Structures
Selected engagements from recent capital structuring work. Identifying details have been generalized for confidentiality.
Situation
Specialty food and beverage distributor, Northeast region. A $21M operator servicing 400 regional accounts, with a $1.8M seasonal inventory build required ahead of a Q4 volume peak driven by recurring retail program commitments.
Structure Deployed
Structured a $1.2M inventory-backed facility timed to the seasonal procurement cycle, with repayment indexed to projected sell-through. Existing bank line was preserved for general working capital. Facility was sized to the seasonal lift rather than full year inventory.
Outcome
Closed in 11 business days. Q4 inventory positioned ahead of demand. Facility paid down to under 25 percent utilization by end of Q1 as seasonal receivables converted.
Specialty food and beverage distributor, Northeast region. A $21M operator servicing 400 regional accounts, with a $1.8M seasonal inventory build required ahead of a Q4 volume peak driven by recurring retail program commitments.
Structured a $1.2M inventory-backed facility timed to the seasonal procurement cycle, with repayment indexed to projected sell-through. Existing bank line was preserved for general working capital. Facility was sized to the seasonal lift rather than full year inventory.
Closed in 11 business days. Q4 inventory positioned ahead of demand. Facility paid down to under 25 percent utilization by end of Q1 as seasonal receivables converted.
Situation
Industrial parts and MRO distributor, Midwest region. A $19M operator carrying $3.1M in net-60 receivables across mid-market manufacturing customers, with a primary supplier consolidating terms and shortening payable windows.
Structure Deployed
Structured a $900K receivables-backed facility against verified customer receivables, advancing 82 percent on approved invoices. The facility absorbed the timing mismatch between accelerated payables and the operator's existing collection cycle.
Outcome
Funded in 9 business days. Supplier relationship preserved at improved terms. Customer-facing pricing maintained without disruption. Facility utilization stabilized at approximately 50 percent within four months.
Industrial parts and MRO distributor, Midwest region. A $19M operator carrying $3.1M in net-60 receivables across mid-market manufacturing customers, with a primary supplier consolidating terms and shortening payable windows.
Structured a $900K receivables-backed facility against verified customer receivables, advancing 82 percent on approved invoices. The facility absorbed the timing mismatch between accelerated payables and the operator's existing collection cycle.
Funded in 9 business days. Supplier relationship preserved at improved terms. Customer-facing pricing maintained without disruption. Facility utilization stabilized at approximately 50 percent within four months.
Situation
Building materials and supply distributor, Southeast region. A $33M operator pursuing the acquisition of a regional competitor, requiring $2.1M in transaction capital plus working capital to integrate a third distribution location.
Structure Deployed
After review, recommended a hybrid structure: a conventional acquisition facility for the transaction itself plus a separate working capital line sized to the integrated entity. Coordinated both facilities through institutional partners rather than a single bridge structure.
Outcome
Closed the combined facilities at $2.4M within 28 days. Acquisition completed on the original timeline. Integrated operations achieved positive contribution within two quarters at a cost of capital materially below the bridge alternative.
Building materials and supply distributor, Southeast region. A $33M operator pursuing the acquisition of a regional competitor, requiring $2.1M in transaction capital plus working capital to integrate a third distribution location.
After review, recommended a hybrid structure: a conventional acquisition facility for the transaction itself plus a separate working capital line sized to the integrated entity. Coordinated both facilities through institutional partners rather than a single bridge structure.
Closed the combined facilities at $2.4M within 28 days. Acquisition completed on the original timeline. Integrated operations achieved positive contribution within two quarters at a cost of capital materially below the bridge alternative.