Wholesale and distribution financing advances working capital against the invoices you’ve billed to large retailers and B2B customers — so you can restock and grow without waiting on net-30 to net-90 payment. BuildUp Capital provides it as a receivables-backed line of credit, underwriting the credit of your customers. The line grows as your sales grow. Available nationwide.
Distribution is a volume-and-velocity business with cash caught in the middle. You buy inventory, sell it on terms to retailers and B2B customers, and wait weeks to be paid — all while needing to restock to keep shelves and orders filled. The faster you turn, the more cash is tied up in receivables at any moment.
We finance the receivables your sales generate, secured by what creditworthy retailers and B2B buyers owe you. That releases the cash trapped in open invoices so you can reorder, take on new accounts, and grow without a fixed bank cap limiting you.
How it works
Tell us who you sell to and what’s outstanding on delivered orders to creditworthy retailers and B2B customers.
We focus on the creditworthiness of who owes you and the quality of your invoicing, not just your own credit history.
Advance against eligible receivables as you invoice, and repay as customers pay. The line scales with your sales.
Common questions
How we structure it
Tell us who owes you. If your receivables are owed by large, creditworthy companies or government agencies, you’ll know quickly — and a real person responds within 24 hours.