Who it is for
This is for wholesale, distribution and supply businesses that need funding tied to inventory or debtor timing.
- Wholesalers buying stock ahead of confirmed or expected demand
- Distributors managing supplier deposits or import costs
- Businesses waiting on customer payments after delivery
- Operators needing working capital to accept larger orders
Common funding uses
Wholesale funding commonly bridges the gap between paying suppliers and collecting from customers.
- Inventory, bulk orders and supplier deposits
- Freight, customs, warehousing and logistics costs
- Working capital while invoices are outstanding
- Seasonal stock builds or new product lines
- Supplier payment catch-up or early payment discounts
What affects eligibility
Lenders will look at turnover, payment behaviour and whether the working capital request fits the trading cycle.
- Monthly revenue and concentration across customers
- Inventory cycle, supplier terms and debtor days
- Bank conduct, average balances and repayment commitments
- ATO debt, creditor pressure or recent dishonours
- Evidence that stock or debtor timing supports the funding need
What documents are needed
A wholesale request can start with bank statements, then use invoices or purchase orders to explain the working capital need.
- Recent business bank statements, usually the last 3 to 6 months
- ABN, entity and director details
- Requested amount and a clear funding purpose
- Basic turnover, trading history and contact details
- Supplier invoices, purchase orders or import documents
- Debtor reports or customer invoices for invoice-timing requests
Check options
Get a practical view before you apply broadly.
Tell us the funding amount, turnover and purpose. A lending specialist will review what looks realistic and explain the next step if there is a lender fit.