We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt submit your deal for review. We revert within one working day with next steps and either a quote for our services.
Finance your next trade, project or acquisition.
Debt structuring, targeted lender outreach and negotiation support through closing.
Paid advisory. Upfront retainer applies.
Working Capital And Distributor Finance
Distributors carry the cash gap of the whole supply chain. Suppliers want payment on order or on shipment, stock sits in the warehouse, and customers pay 30, 60 or 90 days after delivery. The faster the business grows, the bigger that gap gets. Financely advises distributors, importers and wholesalers on how to fund it, and arranges the facilities with banks, asset-based lenders, receivables financiers and supply chain finance providers.
Financely is an advisory and arranging firm, not a lender. All facilities are provided by third parties and remain subject to their credit approval.
Companies that buy from overseas manufacturers and need to pay suppliers, clear goods and hold stock before they are paid by customers.
Businesses with large inventories and many trade customers, where receivables and stock are the main assets on the balance sheet.
Equipment, vehicle, technology or consumer goods dealers that need stock on the floor before sales close.
Companies winning larger customers or new product lines whose working capital need has outgrown an overdraft or a single bank line.
Lenders to distributors focus on the quality of the assets that repay the facility: how creditworthy the customers are, how concentrated the receivables are, how quickly stock turns, and how well the company reports. A distributor with a diversified customer base, reliable stock data and clean accounting can often borrow more against its assets than against its profits. Financely does not set a fixed minimum size; fit is assessed at deal review.
Submit your financials, receivables and inventory data for a review. We will assess which distributor finance structure fits and which lenders to approach.
Request A QuoteDistributor finance is funding for the cash gap between paying suppliers and being paid by customers. It usually combines supplier payment finance, inventory finance and receivables finance, often in one asset-based facility.
Yes. An asset-based revolving facility can include both, with separate advance rates for eligible receivables and eligible inventory. The amount available moves with the borrowing base.
Profitability helps, but asset-based lenders focus mainly on collateral quality and reporting. A business with good customers and well-controlled stock may qualify even with thin margins.
Yes, through letters of credit, import loans or supplier finance that pay the supplier on shipment, with repayment from sales. The structure depends on the supplier, the goods and the distributor's credit.
No. Financely is an advisory and arranging firm. Facilities are provided by third-party lenders and are subject to their credit approval.
Financely charges a deal review fee, then a retainer and a success fee agreed in a signed estimate before work begins. Lender fees and third-party costs are paid by the client directly.
Disclaimer: Financely is an advisory and structuring platform. We do not guarantee issuance, lender approvals, or transaction closing outcomes. All mandates are subject to underwriting, KYC and AML checks, compliance review, counterparty acceptance, and final provider decisions. This page is provided for commercial information only and does not constitute legal, tax, or investment advice.