Funding for wholesalers and distributors. Keep inventory moving.
Distribution lives on the gap between paying for inventory and collecting from customers on terms. MerchantRunway helps wholesalers and distributors review working capital options built around inventory cycles, supplier discounts, and net-terms receivables.
Quick answer
MerchantRunway helps wholesale & distribution review working capital and short-term funding options based on revenue, timing, documents, and repayment capacity.
No obligation. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical funding range
Funding amounts vary by revenue, time in business, existing obligations, and provider review.
Funding timeline
Some files can move quickly after documents are complete, but approval and funding timing are not guaranteed.
Who this is for
Established businesses with active revenue, a business bank account, and a specific use of funds.
Typical funding uses
Buy inventory in volume
Take supplier discounts and stock up ahead of demand.
Bridge net terms
Carry receivables through 30, 60, or 90-day customer payment cycles.
Prepare for peak season
Stock seasonal product before your busiest selling window.
Add warehouse capacity
Fund racking, equipment, or space to handle more volume.
Cover payroll and logistics
Keep operations running through slower collection periods.
Expand product lines
Fund the first inventory buy for a new line or territory.
How approval is evaluated
- Inventory-to-receivables timing is reviewed against deposits and trailing revenue.
- Seasonal and volume buying patterns can be documented during review.
- Time in business, deposit consistency, and existing obligations all shape available options.
- Repayment cadence should be matched to your inventory cycle before accepting an offer.
Documents usually needed
- • Business bank account
- • Recent bank statements
- • Clear use of funds
- • Owner contact information
- • Existing obligations disclosed
Check funding options for your business
Start with a short intake. We review your revenue pattern, business model, timing, and requested use of funds before discussing available capital paths.
Common questions
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Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.