Working capital for
wholesale distributors
Wholesale runs on thin margins and fast-moving stock. You pay suppliers upfront, hold inventory until it sells, then wait 60–90 days for customers to pay. Drip Capital frees up the cash trapped in that cycle, so you can keep buying.
Where your cash gets trapped in wholesale
Buying Inventory
You pay suppliers before your stock sells. The faster you want to grow, the more cash you tie up in inventory you haven't moved yet.
Thin Margins, No Room for Idle Cash
Wholesale margins are tight, so every dollar has to keep working. Cash stuck in unsold stock or unpaid invoices is a dollar you can't reinvest.
Slow-Paying Customers
Retailers and big B2B buyers take 60–90 days to pay. You've already paid for the goods but wait months to get your cash back.
Drip Capital products built for wholesalers
Vendor Financing
Pay suppliers now, without locking up your cash. Drip pays your suppliers upfront so you can keep ordering. You repay on terms up to 90 days, and keep stock moving without draining your cash.
Learn more →Line of Credit
Flexible cash for bulk buys and seasonal swings. Draw cash when you need it for an opportunistic bulk buy or a seasonal spike, then pay it back as stock sells. A revolving line that flexes with your inventory cycle.
Learn more →Receivables Financing
Get paid now instead of in 90 days. Turn your net-60/90 invoices into cash within 24 hours. Don't fund your customers' payment terms out of your own pocket, collect today and reinvest in new stock immediately.
Learn more →"We distribute to 200+ retail customers and our cash was constantly tied up in transit inventory and waiting on accounts receivable. Drip Capital's Receivables Financing transformed our cash cycle. We now reinvest every dollar as fast as it comes in."
Scale your distribution volumes
Get a credit decision in 48 hours and access the capital you need to grow your wholesale business.