Sixteen kinds of wholesale business. One set of criteria.
Dockdoor Capital funds every category of wholesale, distribution and import — including produce and protein houses with perishable inventory, importers paying foreign factories up front, and marketplace wholesalers whose sales most lenders cannot see. The criteria are the same for all of them: $15,000 a month in deposits, 6 months in business, no minimum credit score for working capital or factoring.
- 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
Broadline food-service distributors
Full-line and specialty distributors delivering dry, refrigerated and frozen goods to independent operators, chains, caterers and institutions.
- Cash cycle
- You buy from manufacturers and brokers on their terms, carry the inventory in a cooler and a dry warehouse, and invoice operators on net-14 to net-45. The gap between the supplier’s due date and the operator’s remittance is financed out of your own account unless something else fills it.
- What fits
- Working capital and a line for the buy side; factoring on the operator and institutional receivables. Many deposit days and many small remittances read as a healthy book.
Produce & fresh wholesalers
Terminal-market houses, regional produce distributors and fresh-cut processors.
- Cash cycle
- Perishable inventory turns in days, suppliers are paid weekly, and chain and food-service accounts pay in 21 to 45. Shrink, rejections and price swings make the top line noisy week to week.
- What fits
- Approved. Perishability is not a decline reason here. Receivables under the PACA trust are factorable; tell us how the trust language appears on your invoices.
Meat, poultry & seafood wholesalers
Protein distributors, custom processors and seafood importers selling to retail and food-service.
- Cash cycle
- High-value inventory with a short shelf life, bought in large lots from packers and boats that want payment on delivery or before, sold on terms to accounts that take deductions for weight and trim.
- What fits
- Approved. Large single-day supplier payments against steady customer remittances are the normal shape of this book. We underwrite deductions history on factoring rather than being surprised by it.
Beverage distributors
Non-alcoholic beverage, water, juice, energy and specialty-drink distributors on DSD and warehouse-delivery models.
- Cash cycle
- Summer is the peak and the inventory build for it starts in spring, when last year’s receipts are long gone. Brand owners want deposits on seasonal SKUs; retailers pay on terms and deduct for promotions.
- What fits
- A line of credit for the seasonal build, factoring on chain receivables. Send four months of statements so we can see the shoulder season rather than guess at it.
Importers & container buyers
Direct importers bringing containers of food, consumer goods, packaging or hardware into U.S. distribution.
- Cash cycle
- The factory wants a deposit at order and the balance before the bill of lading releases. Customs wants duty before the goods clear. The carrier wants freight. Then the goods sit in your warehouse until retail and distribution accounts pay you in 30 to 90 days. The cash cycle can run 120 days or longer.
- What fits
- Approved. Foreign-supplier wires and a deposit-at-order model are not decline reasons. We underwrite the deposits into your U.S. business account. Working capital or a line for the buy; factoring once the goods ship on terms.
Grocery & convenience wholesalers
Grocery, convenience-store and dollar-channel wholesalers supplying independents and regional chains.
- Cash cycle
- Chains pay on net-45 to net-90 and take promotional, shortage and damage deductions. Manufacturers want to be paid in 10 to 30. You are carrying the chain’s float out of your own working capital.
- What fits
- Factoring is the core product for this book, with the advance rate set against your dilution history. Working capital or a line for manufacturer payments and seasonal buys.
Cash-and-carry warehouses
Warehouse-format wholesalers where operators and small retailers buy at the counter.
- Cash cycle
- You sell for cash and card, so there are no receivables to factor — but you still buy pallets and truckloads from suppliers who want payment before or at delivery. The gap is the inventory sitting on the floor between the supplier’s invoice and the customer’s cart.
- What fits
- Working capital and a line of credit for inventory buys; many deposit days a month make a strong file. Factoring does not apply to counter sales.
Packaging, disposables & janitorial supply
Distributors of food packaging, disposables, paper goods, chemicals and janitorial supplies.
- Cash cycle
- Resin and paper prices move, so buying ahead of an increase is a real margin decision. Multi-location customers are billed monthly and pay on net-30 to net-60. Inventory is bulky and turns slowly.
- What fits
- A line for buying ahead of price increases; factoring on the monthly-billed accounts. We read a large pre-buy as a margin decision, not a cash problem.
Specialty & ethnic food importers
Importers and distributors of specialty, ethnic and gourmet food serving independent grocers, specialty retail and food-service.
- Cash cycle
- Small-batch suppliers overseas want to be paid before shipment. Independent grocers and specialty retailers pay slowly and in small amounts. Seasonal and holiday SKUs are bought months ahead of the sell-through.
- What fits
- Working capital for supplier payments and holiday buys; factoring on the retail and distribution receivables. Four months of statements if your holiday season dominates the year.
Frozen & cold-chain distributors
Frozen food, ice cream and temperature-controlled distributors with their own freezer capacity.
- Cash cycle
- Freezer space is expensive to run and to expand. Manufacturers ship full pallets on their terms; retail and food-service accounts pay on theirs. Power, refrigerant and reefer fuel are fixed costs that do not wait for a remittance.
- What fits
- A line of credit for inventory, a term loan for freezer expansion and reefer trailers, factoring on chain receivables.
DSD route distributors
Direct-store-delivery distributors running snack, bakery, dairy and beverage routes to retail accounts.
- Cash cycle
- You settle with the brand or the bakery on a short cycle, often weekly, and collect from stores on a mix of counter payment and net terms. Trucks need fuel, tires and drivers every day regardless.
- What fits
- Working capital sized to many small daily deposits; a term loan to buy an additional route or truck. Chain receivables on terms are factorable.
Smallwares & tabletop dealers
Dealers in kitchen smallwares, tabletop, disposables and front-of-house supplies for food-service operators.
- Cash cycle
- Opening-package orders for a new operator are large, bought from manufacturers on short terms, and billed to a customer that is still waiting on its own financing. Stock inventory sits between seasons.
- What fits
- Working capital and a line for opening-package inventory; factoring on commercial and institutional accounts that pay on terms.
Industrial & MRO wholesalers
Industrial supply, MRO, fasteners, safety and electrical distributors serving plants and contractors.
- Cash cycle
- Plants and contractors pay on net-30 to net-60 and take their time. Manufacturers want to be paid in 30. Stocking programs for a key account tie up inventory for months before it is drawn down.
- What fits
- Factoring on plant and contractor receivables; a line for stocking programs. We read a key-account concentration in context rather than as a decline.
Building-materials & plumbing supply
Lumber, roofing, plumbing, HVAC and electrical supply houses selling to contractors and builders.
- Cash cycle
- Contractors pay when the job is drawn, not when the material is delivered. Lien rights help you eventually; they do not make payroll this week. Spring and summer buying runs ahead of the build season.
- What fits
- Factoring on contractor receivables, a line for the seasonal build, a term loan for a yard or a second branch.
E-commerce & marketplace wholesalers
Wholesalers selling through online marketplaces and their own storefronts alongside traditional accounts.
- Cash cycle
- You buy inventory in bulk up front and the marketplace holds your proceeds for its own settlement cycle, with reserves and chargebacks on top. Lenders that read a processor feed cannot see the business; lenders that read inventory cannot see the sales.
- What fits
- Approved. We underwrite the deposits that land in your business bank account, including marketplace settlements. Working capital and a line for inventory buys. Marketplace payouts themselves are not factorable; invoices to wholesale accounts are.
Apparel & general-merchandise wholesalers
Apparel, footwear, accessories and general-merchandise wholesalers and importers.
- Cash cycle
- Seasons are bought six months ahead, often from overseas factories that want deposits at order. Retailers pay on net-60 to net-90 and take markdown allowances and chargebacks. Two or three buying seasons a year define the cash cycle.
- What fits
- Working capital or a line for the seasonal buy; factoring on retail receivables with the advance rate set against chargeback history. Four months of statements so we see a full buying cycle.
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.
Questions by type of business.
Do you fund importers who pay foreign suppliers before the goods ship?
Yes. A deposit at order and the balance before release is the normal shape of an import business, not a decline reason. Dockdoor Capital underwrites the deposits into your U.S. business bank account and funds the buy with working capital or a line of credit, then factors the invoices once the goods ship to accounts on terms.
Are the criteria different by type of distributor?
No. The same criteria apply to all sixteen types: $15,000 a month in business bank deposits, 6 months in business, and no minimum credit score for working capital or factoring. What changes by type is which product fits and how the payment is structured.
Do you fund produce and protein wholesalers with perishable inventory?
Yes. Perishability and weekly supplier payments are expected in produce, meat and seafood and are not decline reasons. Receivables under the PACA trust are factorable.
My sales run through a marketplace. Does that hurt me?
No. Dockdoor Capital underwrites business bank deposits rather than a processor feed, so marketplace settlements count toward your approval. Marketplace payouts themselves cannot be factored, but invoices to your wholesale accounts can.
Can a cash-and-carry warehouse use factoring?
No — counter sales are not receivables. A cash-and-carry operation uses working capital or a line of credit for inventory buys, and many deposit days a month make a strong file.
Your category is on the list.
Including the four most lenders decline. $15,000 a month, six months open, no minimum FICO for working capital or factoring.