Fund the purchase order. Ship the pallet.
Distributors pay suppliers up front and get paid on net-30 to net-90. Dockdoor Capital funds both ends — $10,000 to $2,000,000 of inventory working capital in 24 hours, and factoring on the invoices your retail and food-service accounts owe you. No minimum credit score. No split funding.
4-minute application. Checking your options does not affect your credit.
You pay at the dock. You get paid at net-60.
The supplier wants a deposit at order and the balance before the container releases. Customs wants the duty before the goods clear. The carrier wants freight on delivery. Then the grocery chain, the convenience-store group and the food-service operator that bought it all pay you in 30, 60 or 90 days — on their schedule, not yours.
Dockdoor Capital funds both ends of that cycle. Inventory working capital pays the supplier, the duty and the freight, so you can take the volume discount instead of ordering short. Invoice factoring turns the receivable into cash within 24 hours of delivery, so you are not financing your customers out of your own account. Run one, the other, or both together.
- Supplier deposits, full purchase orders and container balances are approved uses
- Customs duty, bonded-warehouse release and freight count too
- Net-30 to net-90 invoices from retail, grocery and food-service accounts are factorable
- Fixed daily or weekly ACH — no split funding, no holdback, no lockbox
One container, two ways to fund it
The buy side is a fixed payment you know before you sign. The sell side is cash that arrives when you deliver, not when a buyer’s AP department gets around to it. Together they let a distributor order full truckloads, hit the supplier’s volume tier and still make payroll on Friday. If the payment stops working, you call us and we re-term it.
Five ways to fund a distributor.
The fastest money costs the most. The cheapest money takes the longest. Here is the whole trade-off, with no form in the way.
Invoice factoring
In‑houseCash for what grocery chains and food-service accounts owe you on terms. Facilities up to $5M. No minimum FICO.
Invoice factoring →Inventory working capital
In‑housePay the supplier deposit and take the volume discount. 3 to 18 months, fixed ACH. No minimum FICO.
Working capital →Line of credit
In‑houseDraw for each container, repay as it sells through, draw again. 600+ FICO. No cost on an unused line.
Line of credit →Term loan
Bank partnersA bigger warehouse, a new territory, a competitor’s book, or consolidating stacked advances into one monthly payment. 650+ FICO.
Term loan →SBA 7(a) & Express
SBA partnersThe lowest cost of capital available to a wholesaler, if you have the time and the credit. 10% down, 680+ FICO.
SBA 7(a) & Express →Price the buy before you place it.
Move the sliders. These are the three numbers that matter on an inventory working capital advance — what you get, what you pay back, and what leaves your account. Compare the cost of funding against the volume discount you’d capture on the order.
Your estimate
A $150,000 advance over 12 months, repaid daily.
- Daily payment
- $756
- Total payback
- $190,500
- Cost of funding
- $40,500
- Paid off in the first 30 days, you keep up to
- $12,150
Estimates only, at a representative cost for a file that meets our standard criteria. Daily figures assume 21 business days a month; weekly figures assume 52 weeks a year. Payment amounts round up, so the debit is never larger than the number you were shown. Your real offer depends on underwriting your bank statements. Nothing here is an offer.
Get my real offer →With JavaScript off, the default case still holds: a $150,000 working capital advance over 12 months has a total payback of $190,500, a cost of funding of $40,500, a daily payment of $756 across 21 business days a month, and a weekly payment of $3,664. An illustration, not an offer. See disclosures.
What a distributor needs to qualify.
Every number below is a real criterion. If you clear these, apply. If you don’t, call us and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital or factoring. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. Up to $5,000,000 for term loans, SBA, and factoring facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your business is seasonal. Factoring adds your A/R aging and sample invoices. |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No split funding. No holdback percentage. No lockbox. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Receivables on terms | Factorable. Net-30 to net-90 invoices owed by grocery chains, convenience stores, food-service operators, institutions and other business accounts. Up to 90% advanced. |
| Supplier deposits, containers & duty | Approved uses. Purchase orders, supplier deposits, landed cost, customs duty and freight are what working capital and a line of credit are for here. |
| Business types approved | Broadline and specialty food-service distributors, produce, meat and seafood wholesalers, beverage distributors, importers and container buyers, grocery and convenience wholesalers, cash-and-carry warehouses, packaging and disposables suppliers, frozen and cold-chain distributors, DSD route distributors, smallwares dealers, industrial and MRO wholesalers, building-materials supply, e-commerce and marketplace wholesalers, apparel and general-merchandise wholesalers. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A warehouse you own. A minimum SKU count or customer count. Domestic-only sourcing. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Sixteen kinds of wholesale business. One set of criteria.
Including the four categories most lenders decline for perishability, foreign-supplier concentration or marketplace payouts — marked in orange.
- Broadline food-service distributors
- Produce & fresh wholesalers
- Meat, poultry & seafood wholesalers
- Beverage distributors
- Importers & container buyers
- Grocery & convenience wholesalers
- Cash-and-carry warehouses
- Packaging, disposables & janitorial supply
- Specialty & ethnic food importers
- Frozen & cold-chain distributors
- DSD route distributors
- Smallwares & tabletop dealers
- Industrial & MRO wholesalers
- Building-materials & plumbing supply
- E-commerce & marketplace wholesalers
- Apparel & general-merchandise wholesalers
Four minutes to apply. Twenty-four hours to fund.
Send us four minutes and three statements
Company details, monthly deposits, what the money is for, and your three most recent months of business bank statements. Four if you’re seasonal. Add your A/R aging if you invoice on terms and want factoring quoted alongside. No tax returns under $500,000.
An underwriter reads your file
Every file is read by a person, not a score. On working capital we look at average daily balance, deposit count, NSF pattern and your slowest month. On factoring, your customers’ credit counts, not yours. Offer in about four business hours during the week.
Sign two pages and get funded
You see the amount, the payback, the payment and the schedule before you sign anything. A clean file signed before 11:00 AM ET generally funds the same day; otherwise next business day. One person on the phone from start to finish.
Built by people who can read a distributor’s bank statement.
A big supplier wire isn’t a red flag to us.
Most models see a $200,000 outgoing wire and read distress. We read a container. Lumpy outflows against steady deposits are the normal shape of a wholesale account, and we size the payment against your floor month, not your average.
We fund both ends of the cycle.
Working capital for the buy side, factoring for the sell side, a line for the pattern that repeats every month. One application, one underwriter, and the products are built to run together rather than fight each other.
Re-term it instead of stacking it.
If a chain pushes you from net-30 to net-75 and the payment stops working, call us before you take a second position somewhere else. We’d rather restructure a live file than watch a distributor end up on four advances. That conversation costs you nothing.
A two-page contract you can actually read.
Amount, payback, payment, schedule, prepayment discount. Two pages. If something in it isn’t clear, ask on the phone and we’ll walk the line with you.
Questions wholesalers and distributors actually ask.
Can a distributor get funding with bad credit?
Yes. Dockdoor Capital has no minimum credit score for working capital advances or invoice factoring. We underwrite your business bank statements — deposit volume, average daily balance, NSF pattern and month-to-month consistency — and on factoring we underwrite the credit of the accounts that owe you. A line of credit needs 600+, a term loan 650+, and an SBA loan 680+.
How much can a wholesaler borrow?
Dockdoor Capital funds $10,000 to $2,000,000 in working capital, and up to $5,000,000 on term loans, SBA 7(a) and factoring facilities. Working capital approvals generally land between 75% and 150% of one month’s bank deposits.
How fast can I get money to pay a supplier?
About four business hours to an offer on a complete file, and 24 hours to funding. A clean file signed before 11:00 AM ET generally funds the same day — which is usually in time to wire the deposit and hold the price.
Can I fund a purchase order or a container?
Yes. Supplier deposits, full purchase orders, landed cost, customs duty and freight are the normal uses of working capital and a line of credit here. We fund the buy side; if the same goods ship to accounts on net-30 to net-90, factoring can fund the sell side too.
Can I factor the invoices my grocery and food-service accounts owe me?
Yes. Invoices owed by grocery chains, convenience stores, food-service operators, institutions and other business accounts on net-30 to net-90 terms are factorable. Dockdoor advances up to 90% of an approved invoice within 24 hours and releases the balance, less the fee, when the account pays. Facilities run up to $5,000,000.
Do you take a percentage of my sales?
No. Dockdoor Capital repays working capital by a fixed daily or weekly ACH from your business operating account. There is no split funding, no holdback percentage and no lockbox. Your customer payments land in your account as they always have.
What documents do I need?
A four-minute application and your three most recent months of business bank statements — four months if your business is seasonal. For factoring, add your A/R aging and a few sample invoices. No tax returns under $500,000, no business plan, and no collateral for working capital.
Do you fund importers who pay foreign suppliers up front?
Yes. Paying a deposit at order and the balance at shipment is the normal shape of an import business, not a decline reason. We underwrite the deposits coming into your U.S. business bank account, not where the goods come from.
What happens if I pay it off early?
You keep up to 30% of the remaining cost of funding. A working capital advance paid off inside the first 30, 60 or 90 days qualifies for a prepayment discount of up to 30% on the remaining cost of funding — useful when a big account pays early.
What is the minimum revenue for distributor funding?
$15,000 a month in business bank deposits, with a minimum of 6 months in business and a U.S. business bank account. Dockdoor Capital funds in all 50 states.
The supplier’s price is good until Friday. Fund it by Thursday.
$10,000 to $2,000,000. No minimum FICO. Four minutes to apply.
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