The Best Lines of Credit for Wholesale Businesses

Funds readily available through a line of credit are essential for preparing and handling unexpected expenses.

Truly amortized product, where you only pay interest on money that is drawn from line.

Unsecured programs, no collateral needed, up to $250,000.

Annual Interest Rates are Prime (8.5%) + 0% to 2%.

How much do you need to access?
*FREE to Apply & NO credit check
Approvals Up To
Terms as low as
WSJ PR + 0% -2%
Approvals as fast as
With access to affordable capital our wholesale business owners can successfully transform their businesses

Grow Your Business with a Line of Credit.

Funds that are Available When You Need Them Most.

Wholesale Businesses often require large sums of money upfront or in advance which may not be possible without proper financing arrangements.

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A Quick and Easy Process from Start to Finish.

Finding the perfect line of credit facility is now easy! We work closely with you every step of the way to ensure everything goes smoothly.

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How Line of Credit Depot Works:

To qualify for a line of credit, your wholesale business should have demonstrated profitability on the most recent filed business tax return. This showcases your ability to afford payments after drawing funds from the line of credit. Even if your last tax return shows net losses, you may still be eligible.

Certain expenses (non-taxables) on the return can be "added back"
to the net profit amount, bringing your business to a qualifying requirement.

Examples of expenses that may be added back in are certain interest paid on borrowed money and depreciation expense incurred by use of equipment or real estate owned by company's members other than owner/officer/partner who is requesting loan.

Truly amortized product, where you only pay interest on money that is drawn from line.
Unsecured programs, no collateral needed, up to $250,000.
Annual Interest Rates are Prime (8.5%) + 0% to 2%.
Monthly payments with interest only options
How much do you need to access?
*FREE to Apply & NO credit check
Recent Success Story
Wholesale business skyrockets after using a line of credit
Meet Sarah, an entrepreneur from Miami, Florida, who ventured into the wholesale industry in 2018.

Sarah secured a $185,000 line of credit from Line of Credit Depot in 2023, Sarah secured the financial resources needed to establish and expand her wholesale business. This credit line enabled her to cover large purchases. This gave her the means to take advantage of products when they were available for purchase. This buying power allowed Sarah to be aggressive when ordering inventory. She was able to finance buys and simultaneously sell product, often times before it even arrived.

The impact of the line of credit on Sarah's business was significant. It allowed her to maintain product quality and competitiveness in the wholesale market. Most importantly, the extra working capital resulted in more business income!

Additionally, the line of credit supported Sarah in marketing efforts, such as trade shows, and ads directly to consumers.

One of the most significant benefits of having a line of credit was the ability to seize opportunities, such as bulk purchasing discounts and product expansion, allowing her to adapt to changing market demands.

We provide the Wholesale Businesses industry with bank-level financing

Streamline the process by filling out a simple online application. Say goodbye to lengthy paperwork and complex forms.
Our team of financial experts is dedicated to understanding your unique needs. We'll work closely with you to define the perfect financing option tailored to your business requirements.
Receive a range of offers from our trusted network of lenders. Take your time to evaluate and compare the options available. Choose the one that aligns perfectly with your goals and vision.
Experience the joy of quick and efficient funding. Within just a few days, your business will have the financial boost it needs to thrive. It's that simple!

"See if you qualify before you apply. Answer a few questions about your business to get a pre-approval."

Matthew Elling
Small Business Financing Expert & Founder of Line of Credit Depot
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geared towards your Wholesale company
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The business model of Wholesalers has evolved with the changing retail climate. With the Amazon boom and many manufacturers selling direct to consumers; this creates a challenge for wholesale businesses, but also this changing landscape creates new available opportunities. The access to affordable capital in the form of a dynamic line of credit facility has never been more important for a wholesale business. Retailers are still buying from Wholesalers and possessing the agility to act fast and buy goods from distributors and manufacturers is key. One of the most popular ways wholesaling businesses use credit lines, is for product. We see this as the majority of our clients prefer to draw from a line of credit as needed, because they know the exact cost of the capital. This sometimes isn't so easy to do with a structured loan or merchant cash advance....not to mention it's a lot cheaper!

For wholesalers, buying products in bulk can require bulk capital. The buying power of your wholesale business is almost completely dependent on correctly utilizing cash on hand to fund purchases and therefor sell product to your buyers and retailers. Wholesalers understand that access to affordable revolving debt can help supplement available liquid cash to finance large transactions and keep operational cash in the business. For example, if it makes business sense to draw an extra $200,000 from a line of credit, since more goods can be purchased. The wholesaler is motivated to do this if the profits of ordering more exceed the cost of capital. This application also needs the factor of soft costs; wharehousing, shipping, etc.

As wholesaling is changing with Direct Sales, you know as a business owner that it's more important than ever to buy aggressively, since manufacturers may be skipping selling to wholesalers and sell products directly to consumers via Ecommerce. Since margins for the manufacturer can potentially be better is a wholesaler is removed from the picture, it is strategic to have multiple pools of funds to help get a deal done.

When a wholesale company needs cash for an order, they can transfer funds from a revolving line of credit and then pay their supplier directly. This process can happen same day, so the deal can move quickly.

In regards to circumventing buyers and selling direct to Consumers, some wholesalers are using borrowed money to build their Ecommerce online presence. Although this can be lucrative in the future, it requires cheap capital to get going, since a wholesale business would incur logistical expenses, etc.

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'Buy low, sell high' is the name of the game for a wholesale business...but if you are a wholesale business owner, you are also taking into account your Net profits. This means that managing the costs of doing business ties into the buy low/sell high mantra. You can buy low and sell high, but if your cost of capital to actually finance the product eats into your margins...the del may not be worth it. That is why wholesale businesses need the cheapest business financing available.

When to buy product? From talking with our manufacturing clients, we can understand how competitive the wholesale business is. If you are looking at a one off spot deal to flip goods, speed is key! That's why waiting on AR (accounts receivable) shouldn't hold up a potential order. Accessing a line of credit can be the go to, so you can book the order.

Many wholesalers are shifting gears and then selling direct to consumer with Amazon stores and Ecommerce retailers. For example, products that wholesalers used to sell to retailers for brick and mortar stores are now sold on websites. This can create a great opportunity for a wholesaler to develop their down 'direct to consumer' website properties.

Line of Credit Depot pairs wholesale businesses with a line of credit program that is: Fast, Secure and Cheap. Does your bank only offer you a small loan approval or access to a Visa credit card? Unless you want to pay 13% to 30% cost of capital, these facilities are not conducive of running a successful wholesale operation. If you aply with Line of Credit Depot, we can have you approved for a business line of credit instantly. Our rates range anywhere from 4% APR to 10% APR and are considered 'true revolving lines of credit'.