Wholesale Financing

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    Grow Your Wholesale Business with the Right Financing Solution

    Wholesale businesses are the lifeblood of many local economies, providing essential wholesale products to retailers and other customers. But in order to stay competitive, wholesalers need to have access to wholesale financing. 

    Small business loans can provide you with short-term and long-term financing necessary for buying inventory at wholesale pricing, managing inventory and cash flow needs, and ensuring your business has steady capital.

    Taking out a small business loan specifically designed for wholesale businesses can put these resources within reach – helping you stay efficient and productive to power your wholesale dreams.

    Ready to apply for wholesale financing?

    Leave Cash Flow Woes Behind and Focus on What Matters

    SMB Compass understands the unique challenges that wholesale businesses face, and we are committed to providing financing solutions that help them thrive.

    We offer a wide range of loan options tailored to the specific needs of wholesale businesses, including…

    • Equipment financing

    • Business lines of credit

    • Business term loans

    • SBA loans

    • Invoice financing

    Our wholesale funding options are designed to help businesses increase their working capital, purchase inventory, expand operations, invest in technology, and manage cash flow.

    Our team of experienced professionals works closely with each business to understand its unique needs and provide customized financing solutions that help them reach its goals. Our flexible terms, competitive rates, and fast approval process make it easy for you to fund the growth of your wholesale business.

    Trust us to be your reliable financial partner, and never worry about cash flow again but focus on your business instead.

    Ready to apply for wholesale financing?

    Power Your Business with Wholesale Financing

    Buy New Equipment

    Want to invest in inventory management software? Need new delivery trucks? Or warehouse and storage equipment? Wholesale financing can help cover the costs of equipment purchases without sacrificing your business’ financial stability.

    Expand Your Business

    Whether you’re branching out or expanding your space, wholesale financing can fund your expansion projects.

    Purchase in Bulk

    Large purchases cost a lot of money upfront. Wholesale financing provides you with the capital you need to buy many goods and materials when you need them.

    Seize Business Opportunities

    More working capital available can open more doors for your business. You’ll be able to do more business with retailers, run your business more efficiently, and take on more profitable ventures. Seize more opportunities as they come with wholesale financing.

    More Cash Flow Flexibility

    With wholesale financing, you’ll have the cash flow to do anything you want for your business. You can use the money for any business expense, whether you need to cover long-standing debt, take on new projects, or pay for emergency expenses.

    Unlock the Potential of Your Wholesale Business with the Right Financing Solution

    Business Line of Credit

    A business line of credit provides wholesale businesses with easily accessible capital. Once approved, lenders assign you a credit limit from which you can withdraw money as needed. You don’t have to repay the entire credit limit, only the amount you’ve withdrawn, plus interest. A business line of credit is revolving, so once you pay off the borrowed amount, the credit limit goes back up, and you can borrow money again. It’s a great funding option for managing cash flow or covering unforeseen or short-term expenses.

    Business Term Loans

    A business term loan is your traditional business loan where you receive a lump sum of money that you need to repay (plus interest) in fixed installments within a specified time. These loans are best for funding large investments and long-term projects, building credit, and consolidating debt.

    SBA Loans

    The U.S. Small Business Administration (SBA) works with accredited lenders (both banks and alternative lenders) to provide SBA loans to small businesses that may not qualify for traditional bank loans. These loans are partially guaranteed by the SBA, reducing the lender’s risk so they’ll be more likely to approve the loan.

    SBA loans are the most popular among business owners since they offer longer repayment terms, larger loan amounts, and lower interest rates compared to other financing options. But in exchange, these loans require more paperwork and take longer to approve.

    Invoice Financing

    Invoice financing allows you to borrow money based on the value of your outstanding invoices. Lenders can advance up to 80% to 95% of your total invoice value, and you can receive the remaining 10% or 20% (minus the fees) once your customers have paid their invoices.

     Invoice financing frees up cash tied to unpaid invoices, so you don’t have to wait 60 to 90 days to receive payment. You can use the funds for almost any business expense, such as marketing, equipment purchases, payroll, and more.

    Equipment Financing

    Equipment financing is a type of loan specifically designed for businesses to purchase equipment, such as machinery, vehicles, or other tangible assets necessary for the business's operation. The equipment itself is used as collateral for the loan. Equipment financing is a common form of financing for small and medium-sized businesses, as it allows them to purchase necessary equipment without paying for it upfront.

    How to Apply for Wholesale Financing

    1. Fill out our online application form. It’s free, and it won’t affect your credit score.

    2. After reviewing your application, we’ll reach out to you to discuss your options.

    3. Receive loan offers from our partners and fund your business.

    Ready to apply for wholesale financing?