Restock now. Don’t wait for your trade customers to pay.
You pay suppliers upfront or on short terms, then wait 30 to 90 days for retailers and trade customers. Invoice finance releases most of each invoice as soon as goods are delivered, so you can keep stock moving.
- Funding across your whole sales ledger
- Can be kept confidential from your customers
- Helps you buy ahead of busy seasons
Good margins, but the cash is always in the wrong place.
Invoice finance bridges the gap between paying suppliers and getting paid.
Releasing cash from your sales ledger can let you buy in bigger quantities.
Funding rises with your invoices, so it grows when you’re busiest.
How invoice finance works for wholesale and distribution
Deliver to trade customers
Invoice as normal on your usual terms.
Connect your sales ledger
Wholesalers often fund the whole ledger rather than single invoices.
Draw down cash
Typically 80 to 90% of approved invoices.
Customers pay
The facility tops up as new invoices go in.
What’s different about funding a wholesaler
Many customers
A wide spread of trade customers is a strength. Funders like not relying on one payer.
Large retailers
If one big retailer makes up a large share, funders may cap how much of that customer they fund.
Credit notes and returns
High returns or lots of credit notes reduce what can be funded, so keep them tidy.
Imports
Paying overseas suppliers before goods arrive is a different product (trade finance), which we don’t offer yet.
Is invoice finance right for your business?
Usually a good fit
- Wholesalers, distributors and trade suppliers
- Business customers on credit terms
- A spread of customers
- Limited company or LLP
Harder to fund
- Selling mainly to consumers online
- High returns or disputed deliveries
- Sale or return arrangements
Not sure? That's what the call is for. If it isn't the right fit, your specialist will tell you and suggest what might work instead.
What happens after you enquire
Two minutes online
A few questions. We find your company on Companies House as you type.
A text from us
Straight away, with the name of the specialist who'll call you.
A short call
Usually within a working day. About 15 minutes on how your business trades.
Options in plain English
What is available, the full cost in pounds, and what they would need.
You decide
No obligation. Saying "not right now" is fine.
Questions from wholesale and distribution businesses
Invoice finance releases cash from your sales, which you can use for any supplier. Paying suppliers before goods arrive is trade finance, which we don’t offer yet.
Get paid for work you’ve already done.
Two minutes. Free. No hard credit check. One specialist, not ten calls.