Big invoices, thin margins, stock-heavy. Invoice finance keeps the warehouse stocked while you wait for retailers and trade buyers to settle.
A wholesale distributor turning over £6m typically draws c. £450k a month against trade-customer invoices, with a stock line funding seasonal inventory build-ups.
The specifics that make or break a facility in this sector.
Inventory finance can sit on top of the IF facility, funding stock between purchase and onward sale.
Big-box buyers can push concentration above 30%. Specialist lenders price for it rather than blocking the line.
High credit-note volume reduces advance rates; lenders look at net debtor days and dilution rates, not just sales.
Pre-Christmas and pre-summer stock builds need surge headroom. The right facility flexes up without re-underwriting.
Move the slider to your typical invoice value to see what would hit your account and what it would cost.
What's your invoice worth?
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We benchmark your facility across a panel of specialist invoice finance and revolving credit lenders, and match you with the ones whose appetite fits wholesale & distribution. You get whole-of-market access from one conversation, at no cost to you.
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Yes, inventory finance can overlay the receivables facility, funding stock between purchase and onward sale.
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