WHOLESALE DISTRIBUTORS • LINE OF CREDITWholesale distributor financing — keep inventory moving
Loot offers wholesale distributors an unsecured business line of credit from $5,000 to $100,000. Use it to cover inventory purchases, freight, and payroll, or give your business the room to take on a bigger order without draining the cash needed for everything else. Established wholesale distribution businesses with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Wholesale distribution challenges: bulk inventory, freight costs, and retailer payment schedules
Wholesale distributors often need to buy inventory in bulk and pay freight costs upfront, long before a retailer or business customer pays the invoice. When a large seasonal order or a new retail account requires more inventory than usual, a growing order book can put more pressure on cash flow rather than less.
Purchase bulk inventory before customer payment arrives- Cover freight and warehousing costs on incoming stock
- Extend net-30 or net-60 payment schedules to retail customers without straining cash flow
Where a wholesale distributor line of credit does the heavy lifting
Six moments when distribution cash flow needs backup — and how a Loot line of credit can help.
Purchase bulk inventory before customer payment arrives
Buying in bulk from a manufacturer often means better pricing, but it also means paying for a large order before retail customers place theirs. A line of credit can help secure bulk inventory without pulling cash away from the rest of the business.
Cover freight and warehousing costs
Shipping and warehousing costs on incoming inventory add up fast, especially on large or seasonal orders. A line of credit can help cover these costs so inventory keeps moving through the warehouse without a cash crunch.
Extend payment schedules to retail customers
Retail and business customers often expect net-30 or net-60 payment schedules, but suppliers and freight companies still need to be paid on their own schedule. A revolving line can help smooth that gap without turning down good customers.
Take on a new retail account or larger order
Landing a new retail account or a larger seasonal order can be great for the business, but it may require a bigger inventory buy and additional warehouse labor upfront. A line of credit can give distributors the working capital to accept the order without straining existing accounts.
Cover payroll for warehouse and logistics staff
Warehouse staff, pickers, and delivery drivers still need to be paid whether inventory is moving fast or sitting for a few extra weeks. A short-term draw can help cover payroll without taking cash away from inventory purchases.
Stock up ahead of a seasonal demand spike
Holiday season, back-to-school, or other predictable demand spikes often require buying inventory weeks or months ahead of when it sells. A line of credit can help fund that stock-up period before the season's sales pay it back.
How a wholesale distributor line of credit helps
A business line of credit for wholesale distributors provides flexible capital for inventory, freight, and payroll. Draw loot when needed, repay as customer payments come in, and keep inventory moving.
Loot for inventory
Draw capital instantly to stock up for the next big order or season.
No hidden costs
Only pay for what you use — no extra fees added to the bill.
Fits any warehouse size
From a small regional distributor to a multi-warehouse operation, the line flexes with your needs.
Trusted by wholesale distributors
Built by operators who understand bulk buying, freight timing, and extended customer payment schedules. Transparent pricing, no hidden costs.
Speed that keeps pace with demand
From application to funding, Loot provides distributors with capital faster than a seasonal order can slip away.
Flexible like a shifting order book
Use a little or a lot. Repay as customer payments clear. Scale limits as the business grows.
How a Loot line of credit works for a wholesale distribution business
Say your business needs $24,000 for a bulk inventory order, freight costs, and warehouse payroll ahead of a busy season. With Loot, you can draw $24,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If customer payments come in sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for wholesale distributor financing
To qualify with Loot, your wholesale distribution business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Wholesale distributor line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your distribution business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, available credit returns as you repay | No, it is a one-time loan* | Yes, available credit returns as you pay |
| Best for | Bulk inventory, freight, payroll, and payment-timing gaps | Purchasing a warehouse or major equipment outright | Smaller purchases and everyday expenses |
A term loan* may suit purchasing a warehouse or major equipment outright. A business credit card may work for smaller day-to-day expenses. A line of credit can support the recurring costs of distribution — inventory, freight, and payroll — while retail and business customers are still on extended payment schedules.
What wholesale distributors can use a line of credit for
- Bulk inventory purchases
- Freight and shipping costs
- Warehouse and logistics payroll
- Seasonal stock-up ahead of demand
- Extending net-30/net-60 payment schedules to customers
- Onboarding a new retail account
- Warehouse lease or utility costs
- Packaging and fulfillment supplies
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for regional and specialty distributors
Financing for regional and specialty distributors can help cover inventory and freight costs before customer payments arrive. Serving a specific region or niche often means less pricing leverage on bulk orders, making cash flow timing even more important. A line of credit can help keep inventory stocked.
Financing for food and beverage distributors
Financing for food and beverage distributors can help cover perishable inventory turnover and refrigerated freight costs. Product that needs to move fast still has to be paid for upfront. A line of credit can help bridge that gap.
Financing for building materials and industrial supply distributors
Financing for building materials and industrial supply distributors can help cover bulk stock and freight costs ahead of a busy season. A line of credit can help a distributor say yes to a larger contractor order without straining cash flow.
Financing for apparel and consumer goods distributors
Financing for apparel and consumer goods distributors can help cover seasonal inventory buys months before the selling season begins. A line of credit can help fund that stock-up period before sales pay it back.
Financing for freight and warehousing costs
Financing for freight and warehousing costs can help when a large incoming shipment needs to be paid for before it's resold. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if customer payments clear sooner.
Financing for growing distribution businesses
Financing for growing distribution businesses can help fund a new warehouse location, additional staff, or a larger inventory buy needed to serve more retail accounts. A line of credit can give a growing distributor the working capital to take on new business.
Wholesale distributor financing FAQs
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your distribution business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Wholesale distributors can get a decision in minutes, and same-day approval is standard. Once approved, same-day funding is available for a $49 transfer fee.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Wholesale distributors can use a Loot line of credit for bulk inventory purchases, freight costs, warehouse payroll, and other business costs. You see the total cost before confirming and only pay when you draw.
Yes. A revolving line of credit can help cover inventory and operating costs while waiting on extended customer payment schedules, so a distributor doesn't have to turn down business over payment timing.
No. Inventory financing is usually tied to specific inventory as collateral. A Loot line of credit is unsecured working capital you can use for inventory, freight, payroll, or any other business need.
Apply for wholesale distributor financing today
If you're stocking up on bulk inventory before a big order pays out, or covering freight and payroll while customers are on extended payment schedules, a line of credit can give your distribution business more room to move.
Get $5,000 to $100,000. Apply in minutes with a soft pull that will not impact your credit score. If approved, you can draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49