Wholesale & Distribution Financing Solutions | PO Financing, Invoice Factoring & Scaling Studio | Factor & Fund
Solving the Wholesale Cash Flow Crunch: Grow, Stock, and Deliver with Confidence
In wholesale and distribution, timing is everything. You lock in bulk deals, juggle supplier deadlines, and coordinate massive shipments. But customers in this space – from retail chains to industrial clients—can take 30–90 days (or longer!) to pay those invoices. Meanwhile, suppliers want cash-today. The result? Your ability to scale, say yes to new orders, or stock up for big seasonal spikes is limited by capital constraints, not market demand.
With Factor & Fund, you never have to say “no” to growth because of slow payments. Our unique blend of PO financing, invoice factoring, and business growth expertise means your cash flow is always primed for expansion.
Core Solutions to Power Wholesale Operations
Purchase Order (PO) Financing: Stock Up Without Squeezing Your Bank Account
Got a big distributor order from a national retailer, supermarket, or government agency? Purchase Order Financing lets you pay suppliers up front, secure better pricing, and deliver massive orders—without draining your working capital.
- Advance supplier payments for inventory
- Capture bulk discounts and avoid backorders
- Fulfill larger contracts and seasonal demands with confidence
For distributors and wholesalers, PO financing makes it possible to leverage your purchase orders for immediate supplier payments – turning big opportunities into delivered products and happy buyers.
Invoice Factoring: Get Paid Instantly on B2B Sales
After delivery, the cash flow risk shifts: clients slow-roll their payments, leaving you holding the bag. Invoice Factoring gives you up to 95% of invoice value within 24–48 hours, so you keep making sales, paying staff, and restocking inventory.
- Eliminate waiting on customer payments
- Fund daily operations, payroll, and reorders
- Keep your sales engine running smoothly—even if customers drag their feet
Wholesalers often use factoring to bridge these payment gaps, turning delays into opportunities for continuous growth.
Scaling Studio: Operational Mastery for Wholesale Leaders
Wholesale isn’t just about moving volume – it’s about strategic growth. Factor & Fund’s Scaling Studio team brings entrepreneurial insight to help you:
- Optimize fulfillment and inventory management for just-in-time delivery
- Navigate supplier negotiations for better terms
- Integrate financial tech solutions for 24/7 cash visibility
From supply chain analysis to optimizing reorder cycles, our team guides you beyond tactics—building scalable systems to drive long-term profitability.
Why Factor & Fund is the Smartest Partner for Wholesale & Distribution
- Industry-tailored PO and invoice factoring solutions
- Entrepreneurial partnership—real distribution experience, not just lending
- Lightning-fast approvals and funding, often same-day
- Expertise in scaling businesses through complex supply chains, seasonal volatility, and multi-market expansion
Don’t let stagnant receivables or costly supplier terms slow your momentum. Partner with Factor & Fund to unlock the working capital, inventory, and insight you need to deliver at scale.
Key Facts & FAQ
Can PO financing be used for restocking or international suppliers?
Yes—PO financing is perfect for restocking, preordering, or buying from global vendors.
Is there a minimum wholesale order required?
Typically, $20,000+ (exceptions possible for recurring, high-margin accounts).
Can I factor invoices from retailers, government agencies, or multi-location chains?
Absolutely – factoring works for all B2B, institutional, or government buyers with strong credit.