TL;DR: Wholesale and distribution businesses buy stock upfront and sell on 30–90 day terms. Invoice finance lets you unlock the cash tied up in unpaid invoices so you can restock, fulfil orders, and grow without waiting for customers to pay.
The Cashflow Challenge in Wholesale
Wholesalers and distributors face a double cashflow squeeze. Suppliers often require payment on delivery or short terms, while customers expect 30, 60, or even 90-day payment terms. The larger your order book, the more capital is tied up in stock and receivables.
Seasonal demand makes this worse, you need to stock up before peak periods, but payment for those goods comes months later.
How Invoice Finance Works for Wholesalers
With FundTap, you select invoices from your accounting software and receive funds within hours. Use the cash to pay suppliers, restock inventory, and fulfil new orders without waiting for customers to pay.
- Fund supplier payments from outstanding customer invoices
- Maintain stock levels during seasonal demand
- Take on larger orders without cashflow constraints
- No stock or property security required
Why Wholesale Businesses Choose FundTap
- Funded within hours
- No lock-in contracts or minimum volumes
- Single fee from 4% per invoice
- Confidential, customers never notified
- Scales with your order volume
- Integrates with Xero, MYOB, and QuickBooks
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Frequently asked questions
Can wholesale and distribution businesses use FundTap?
Yes. Wholesale and distribution businesses that invoice other businesses on payment terms can fund their unpaid invoices with FundTap to cover wages, materials and day-to-day costs while waiting to be paid. You choose which invoices to fund.
Will my clients know I am using invoice finance?
No. FundTap never contacts your customers. There is no debtor notification and your clients keep paying you directly.
How fast can a wholesale and distribution business get funded?
Setup takes about 30 minutes, approval is usually within 24 hours, and most invoices are funded within hours of approval.
Do I have to fund all my invoices?
No. You choose which invoices to fund, one at a time. There are no lock-ins, no minimums and no whole-ledger commitment.
What does it cost?
A single transparent fee per invoice you choose to fund, shown in full before you confirm. There are no setup fees, no monthly fees and no lock-ins, and the fee reduces if you repay early.
Yes. Wholesale and distribution businesses commonly use invoice finance to bridge the gap between paying suppliers and receiving customer payments.
Yes. Because FundTap has no minimum volumes or lock-in contracts, you can use it heavily during peak seasons and not at all during quiet periods.
Funding scales with your invoice volume. The more invoices you issue, the more you can fund. There is no fixed limit.
No. Choose individual invoices to fund based on your cashflow needs. There is no whole-ledger requirement.
Invoice finance scales with your revenue and does not add debt to your balance sheet. A line of credit has a fixed limit that may not keep up with growing order volumes. Many wholesalers find invoice finance more flexible.