Industries we fund · Wholesale & Distribution
Working capital for wholesale businesses
Distribution margins are thin and volume is everything - which makes buying power the whole game. The best pricing goes to whoever can write the biggest check.
Clearwater places wholesale files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for wholesale business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a wholesale file
Wholesale files turn on inventory velocity: funders want to see money cycling - large supplier payments out, larger customer payments in, repeating monthly. Gross deposit volume is usually high relative to other industries, and advances size accordingly. Watch items are margin compression (deposits growing while the pattern thins) and customer concentration. The classic use is opportunistic buying: a supplier discount that pays for the capital several times over.
What wholesale businesses use the capital for
- Volume inventory buys at discount pricing
- New product-line stocking
- Freight and warehousing on larger orders
- Bridging net terms with anchor customers
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a wholesale business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Wholesale & Distribution funding questions
Our volume is high but margins are thin. Does that matter?
Advances price off deposit volume and consistency, which favors distributors. Just make sure the payback fits your margin math - we will show the daily number against your real flow.
Can funding cover a one-time buying opportunity?
That is the most common wholesale use we see. When the discount exceeds the cost of capital, the math makes itself.
How big can advances go for distributors?
Most files support roughly half to 1.4 times monthly deposits. High-volume books land larger absolute numbers for the same multiple.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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