Business Loans for Wholesale & Distribution Companies Australia

Wholesale and distribution companies can access not asset backed business loans from $10,000 to $350,000 from Velociti Capital. Loan types include: inventory purchasing and stock building, warehouse and logistics infrastructure, fleet and delivery vehicle finance, technology and systems upgrades, seasonal stock preparation, and supplier payment funding. No property security required for amounts up to $350,000. Approval based on distribution revenue, order volumes, and cash flow performance. Ideal for food and beverage distributors, building supply wholesalers, industrial suppliers, consumer goods distributors, specialty wholesalers, and import distributors.

Wholesale businesses can receive loan approval in 2-4 hours with Velociti Capital. The fast process: 2-minute online application, automated review of 6 months bank statements showing distribution sales, customer payments, and wholesale revenue, approval decision within 2-4 hours, funds deposited within 24 hours. Traditional banks take 2-4 weeks minimum. Fast approval is critical for wholesale businesses needing to purchase bulk inventory at discount, secure seasonal stock before peak demand, cover supplier payments during cash flow gaps, or fund new distribution contracts. Same-day funding available for urgent needs.

No, wholesale companies do not need property collateral for business loans up to $350,000 with Velociti Capital. We offer not asset backed financing based on wholesale business revenue - analyzing distribution sales, customer order patterns, supplier terms, and cash flow consistency. Existing inventory and warehouse equipment remain unencumbered. Property security is never required. This makes funding accessible for wholesale businesses without real estate holdings or those who prefer not to risk personal property against distribution finance.

Wholesale business loan requirements include: 6+ months trading history (or proven industry experience for new distributors), minimum $6,000 monthly revenue from wholesale and distribution sales, valid ABN registration and appropriate licenses, 6 months of business bank statements showing wholesale income, and Australian distribution operation. Both small distributors and larger wholesale operations qualify. Credit scores are secondary - we focus on customer order consistency, supplier relationships, inventory turnover rates, distribution volume trends, and overall cash flow strength.

Yes, wholesale businesses with tight margins can qualify for business loans with Velociti Capital. We understand that wholesale and distribution operates on thinner margins than retail but with higher volumes. Requirements: demonstrate consistent monthly revenue above $6,000, show stable customer base with regular ordering patterns, maintain efficient inventory management, and have at least 6 months trading history. We focus on revenue volume and cash flow consistency rather than margin percentages. Wholesalers with strong turnover rates and reliable customer bases are assessed favourably regardless of margin levels.

Wholesale business loans can fund: inventory and stock purchases ($15K-$300K for bulk buying, pre-season stocking, new product lines), warehouse and logistics ($20K-$200K for racking, forklifts, cold storage, facility upgrades), delivery fleet ($20K-$250K for trucks, vans, refrigerated vehicles), technology systems ($10K-$100K for ERP, warehouse management, order processing), seasonal stock building ($15K-$200K for Christmas, holiday, back-to-school periods), and supplier payments ($10K-$150K for early payment discounts, securing allocation). Funds are unrestricted for legitimate wholesale business purposes.

Wholesale loan amounts are based on monthly revenue from distribution sales and services. Typical approvals: $20K monthly revenue = $40K-$60K loan, $50K monthly revenue = $100K-$150K loan, $100K monthly revenue = $200K-$300K loan. Maximum loan amount is $350,000. We analyze distribution volumes, customer order frequency, inventory turnover, supplier payment terms, and revenue trends. Both direct wholesale and distribution channel revenue count. Multi-channel distributors can aggregate revenue from all distribution activities.

Wholesale business loan interest rates are competitive fixed monthly rates depending on factors: revenue consistency and customer base strength, distribution volume and order frequency, trading history length, loan amount and term, and wholesale category and market position. Established wholesalers with strong customer bases typically secure lower rates. Rates are competitive with distribution-specific finance and significantly better than high-interest credit cards or extended supplier credit. Contact us for a personalised quote.