FINANCE OPTIONS

^Wholesale Finance – Get a Quote Today

Q: What amounts are available through wholesale finance?

Wholesale finance typically provides funding between £10,000 and £5 million. The amount you can access depends on factors such as business turnover, sector demand, inventory value, and creditworthiness.

Q: How long does approval take for wholesale finance?

Initial decisions for wholesale finance are usually made within 2 to 4 weeks. After approval, funds could be available in about three weeks to two months, depending on the lender and product complexity.

Q: What rates and fees should I expect?

Rates for wholesale finance generally range from 3% to 20% APR, with invoice finance charged as a percentage of invoice value. Additional fees, such as set-up or service charges, may apply per lender.

Q: What are the main types of wholesale finance?

The three main types are trade finance, stock or inventory finance, and invoice finance. Each is designed for specific needs, such as importing goods, purchasing stock, or unlocking cash from unpaid invoices.

Wholesale finance is designed for businesses needing to purchase and distribute large quantities of goods. UK wholesalers rely on this finance solution to manage cash flow, handle stock purchases, and maximise buying power through bulk orders. Flexible wholesale finance enables businesses to purchase inventory ahead of demand, keep up with supplier payment cycles, and stay competitive within dynamic markets. By aligning finance with the sales and stock cycle, wholesale finance helps UK firms manage day-to-day buying, selling, and business growth efficiently.

Wholesale Finance

Secure up to £1,000,000 in Wholesale Finance with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Key ^Benefits of Wholesale Finance

Wholesale finance supports UK businesses facing large transactions and cash flow gaps when sourcing inventory or bridging trade cycles. With rates from 3% to 20% APR and decisions in as little as two weeks, this finance option offers tailored solutions that suit varied procurement and sales cycles in wholesale operations.

Increased liquidity

Lower financing costs

Access to diverse markets

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Wholesale Finance Available

Trade Finance

Trade finance enables UK-registered businesses with trading history to fund imports, bulk purchasing, and manage payment cycles, usually for periods from 1 to 12 months.

Trade Finance

Trade finance typically suits importers and distributors needing £50,000 to £5 million to fund international purchases or large orders. Businesses apply by providing detailed trade records, with approval usually within 2 to 4 weeks. This finance often supports challenging cross-border deals and helps mitigate risks like long supply chains and currency volatility.

Stock/Inventory Finance

Stock or inventory finance lets businesses access funds against current or planned stock, easing seasonal and bulk purchasing needs for up to 12 months.

Stock/Inventory Finance

This finance suits wholesalers and distributors looking to prepare for peak trading periods or expand product lines. Amounts from £10,000 to £1 million are available, secured against inventory value. The application focuses on sales forecasts and current inventory, with lenders deciding in 1 to 3 weeks and offering rates reflective of underlying stock value.

Invoice Finance

Invoice finance allows established UK businesses to unlock funds tied up in B2B invoices, improving working capital on a rolling basis.

Invoice Finance

Suitable for manufacturers and service firms, invoice finance advances cash against unpaid invoices, typically at 0.5% to 5% of invoice value. Approvals are swift—24 to 72 hours for new accounts—helping firms avoid cash flow issues by providing liquidity without waiting for customers to pay.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Access Wholesale Finance with Funding Agent

Complete Online Form

Share your business and finance requirements using our quick and easy online application form. The more complete your details, the smoother the process.

Review Offers

Receive and compare offers from trusted lenders, each tailored to your business needs, with transparent terms and conditions.

Select and Apply

Choose the finance option that suits your business best, then apply securely through the Funding Agent platform to move forward efficiently.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What amounts are available through wholesale finance?

How long does approval take for wholesale finance?

What rates and fees should I expect?

What are the main types of wholesale finance?

DIVE DEEPER

June 30, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

Find all our resources

^Wholesale Finance – Get a Quote Today

Key ^Benefits of Wholesale Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Wholesale Finance Available

Trade Finance

Trade Finance

Stock/Inventory Finance

Stock/Inventory Finance

Invoice Finance

Invoice Finance

Typical Funding Journeys on Funding Agent