Receivables financing for wholesalers and distributors

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.

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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

From unpaid invoice to working capital

Bring your customer invoices

Tell us who you sell to and what’s outstanding on delivered orders to creditworthy retailers and B2B customers.

We underwrite your customers

We focus on the creditworthiness of who owes you and the quality of your invoicing, not just your own credit history.

Draw and repay as customers pay

Advance against eligible receivables as you invoice, and repay as customers pay. The line scales with your sales.

Distributors we finance

  • Wholesale distributors selling to retail
  • Food and beverage distribution
  • Industrial and equipment distribution
  • Consumer-goods and e-commerce wholesalers
  • Building-products and supply distribution
  • Importers billing large, creditworthy buyers

Common questions

Questions about wholesale & distribution financing

What distribution receivables can be financed?
Invoices for delivered orders owed by large, creditworthy retailers and B2B customers on standard terms. The strength of who owes you drives the underwriting.
Can it fund restocking?
Yes. Advancing against invoices you’ve already billed frees cash to reorder inventory and fill new orders instead of waiting on customer payment.
How is it different from a bank line?
It’s tied to your receivables and scales with your sales, rather than a fixed amount capped by your balance sheet — useful for distributors growing faster than a conventional bank line allows.
Is it factoring?
No — it’s a receivables-backed line of credit. You borrow against your invoices and keep your customer relationships rather than selling the invoices.
Do I need real estate?
No — the line is secured by receivables. If you own property, we can separately lend against real estate.

How we structure it

Receivables programs behind this

Payroll financingPayroll financing that turns unpaid client invoices into cash to make payroll on time.Learn more →Government-receivables financingFinancing against receivables owed by federal, state, and local government agencies.Learn more →Invoice factoringAn alternative to traditional invoice factoring: a receivables-backed line of credit that turns unpaid B2B invoices into working capital while you keep your.Learn more →

Other industries we finance

All receivables financing →

Stop waiting on net-60 to fund your business.

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 typically responds within 24 hours.

Get working capital →Give us a call