Rates as low as 0.75% and financing in as little as 24 hours. Apply Now To Get Approved!

Factoring for Distributors and Wholesalers

Eliminate payment delays for your distribution company with factoring solutions.

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Accelerating Your Distributor Cash Flow and Revenue with Seamless Factoring Solutions

Navigating the intricate landscape of retail, distributors like you grapple with the persistent challenge of elongated payment cycles. We get it—despite a surging demand for new inventory, it feels like a marathon wait to see the return on your delivered services, sometimes stretching to an agonizing three months. But what if there’s a way to bridge this financial delay?

Overhead costs? They can swiftly devour a lion’s share of your operational budget, putting you in a tight spot, especially when those expected payments are yet to roll in. But here’s the silver lining: imagine streamlining your finances, managing expenses seamlessly, and rising as a dominant force in the distribution world. Sounds promising? That’s precisely where we come in.

At Porter Capital, we’re not just another financial service. We are your partners in progress. Dive into the world of invoice factoring with us, specifically tailored for vibrant distributors and wholesalers like you. Let’s work together to seal those cash flow gaps, propelling your business towards unparalleled success. Because your growth is our mission.

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Explore our range of alternative financing solutions. Discover how we can support your business objectives and facilitate growth. Find Out More.

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Distribution Deals We’ve Funded

Check out some of the deals we’ve funded for the wholesale and distribution industry below.

$700K Funded to a Truck Parts Distributor

$750K Funded to a Food Packaging Supplier

$4.5M Funded to a Blanket Distributor

$2M Funded to a Natural Stone Distributor

$3M Funded to a Coffee Warehouse Company

$250K Funded to a Fresh and Frozen Seafood Supplier

How Porter Capital Can Help Distributors and Wholesalers

Wholesalers and distributors work within competitive markets, so standing out as a business is an asset. With distribution factoring services, you can give your clients the flexibility to pay on their schedule. Plus, you can put more funding toward vendor discounts, better inventory, machinery and everyday costs.

Porter Capital invoice funding assists distribution companies with any outstanding payments. Our services extend to be as small or large as needed, with affordable rates and simplified processing. Distributors choose invoice factoring for the following reasons and more:

  • Increased security: For many businesses, better cash flow equals better stability. You can use your working capital to cover all your baseline expenses with upfront cash advances.
  • Easy approval: Invoice factoring is a simple loan alternative. Applicants are often approved regardless of credit score, collateral or length of operations.
  • Funding potential: Once you’re approved for our factoring services, we can take care of all your invoices. We are your no-obligation partner for as many or as few services as you need!

Find the Right Financing Solution for Your Needs

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Invoice Factoring

Invoice factoring for companies seeking funding to improve their finances while waiting for customers to pay invoices.

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how to use invoice payment terms

A/R Financing

Small and large companies can maximize their operations with capital advances offered by our AR factoring services.

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Common Startup and Ongoing Costs for Small Businesses

Asset Based Lending

With our asset-based lending options, you can improve cash flow and feel confident creating new business growth.

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What to Expect from Working with Porter Capital

The team at Porter Capital is happy to help your business with its outstanding distribution factoring, no matter how large your company is or how long you’ve been around. Our wholesale factoring services offer low rates and long-term assistance for those within the distribution industry — apply once, and you’re a valued Porter partner!

When you submit your invoices to Porter Capital, we operate with urgency. We take our role seriously as a factoring lender and work to deposit your advance in days. Besides our invoice and accounts receivable funding for distributors, we also offer assistance with collections, post payments, and credit.

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Our Distribution and Wholesale Factoring Process

Invoice and accounts receivable factoring help businesses shorten the wait time between production and payment. Factoring can be a valuable tactic to increase cash available for distribution companies. Many distributors and wholesalers struggle with limited cash flow and long payment terms. Invoice financing helps distribution companies access their rightful payment within days.

Clients can often take 30, 60, or 90 days to fulfill your business’s invoices. During this time, you’ll need working capital to pay for inventory, production, payroll, and any other overhead expenses. For this reason, factoring services are common practice in the distribution industry. For more than 30 years, Porter Capital has offered payroll and inventory financing for distribution companies. Here’s how we conduct the process:

  1. Your business submits a valid invoice to our team.
  2. We deposit a cash advance for up to 95% of your invoice.
  3. Your customer pays their invoice, which transfers to our accounts receivable.
  4. We return the rest of your balance, minus a small factoring fee.

Utilize our invoice factoring calculator to determine the estimated cash advance, the final amount receivable upon invoice payment, and the associated factoring fee.

Factored Invoice Amount ($)
Factoring Rate (%)
Advance Rate (%)

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Get Factoring for Your Distribution Company

Invoice factoring could help your business support itself through slower cycles and high production times in a competitive market. Distributors and wholesalers can enjoy the flexibility of immediate payment from our reliable factoring services. Choose Porter Capital for the expertise and timeliness your company deserves.

To learn more about invoice funding for distribution companies, contact our team online or call us at 1-800-737-7344!

Apply For Funding Today