Inventory working capital for distributors, funded in 24 hours.
Dockdoor Capital funds wholesale and distribution working capital from $10,000 to $2,000,000 over 3 to 18 months, with no minimum credit score, $15,000 a month in bank deposits, and 6 months in business. Offer in about four business hours. Money in 24. Pay the supplier deposit, release the container, take the volume discount. Repayment is a fixed daily or weekly ACH out of your operating account — never a percentage of your receipts.
What are the criteria?
Working capital — criteria
- Amount
- $10,000 – $2,000,000
- Term
- 3 – 18 months
- Typical approval size
- 75% – 150% of one month’s bank deposits
- Minimum credit score
- None
- Minimum time in business
- 6 months
- Minimum monthly deposits
- $15,000
- Documents
- Application + 3 months of business bank statements (4 months if seasonal)
- Approved uses
- Supplier deposits and purchase orders, container balances, customs duty and freight, bulk buys for volume pricing, payroll across a slow collection month
- Repayment
- Fixed daily (Mon–Fri) or weekly ACH. No split funding, no holdback.
- Collateral
- None. Personal guarantee required.
- Prepayment discount
- Up to 30% of the remaining cost of funding at 30, 60, or 90 days
- Offer
- ~4 business hours · Funding 24 hours
- Underwritten
- In-house by Dockdoor Capital
Figures on this page are representative, not an offer. See disclosures.
What do distributors actually use working capital for?
The supplier deposit that holds the price
The mill, the packer or the overseas factory wants 30% at order and the balance before shipment. Pay it on time and you keep the quote; miss it and the price resets. Repaid as the order sells through.
Funded in 24 hours · 3 to 18 monthsReleasing a container at the port
Balance to the supplier, customs duty, broker fees and drayage all come due in the same week the goods land. Demurrage starts the day after. This is the job the product was built for.
Same day on a clean file signed before 11:00 AM ETBuying up to the volume tier
The supplier’s case price drops at a full truckload or a full container. If the discount on the order is larger than the cost of funding, the buy pays for itself. Run the numbers in the estimator before you commit.
Compare cost of funding against the discountPayroll and fuel while a chain pays slow
A grocery group moves you from net-30 to net-60 without asking. Drivers and warehouse staff still get paid Friday. If this is the pattern rather than a one-off, ask about factoring instead — it is built for exactly that.
Bridge the gap once; factor it if it repeatsA seasonal build before the peak
Holiday inventory, summer beverage, back-to-school paper goods. Buy in ahead of the season, not during it. If this repeats every year, a line of credit is the cheaper structure.
Send four months of statements if you’re seasonalA new route, a new territory, a new product line
Opening inventory for a second route truck or a new category is a revenue-adding spend small enough that a term loan’s paperwork costs more time than the project is worth waiting for.
Up to $2,000,000What does a working capital advance cost?
A working capital advance is priced as a fixed total payback, not an interest rate. You will see three numbers before you sign: the amount funded, the total you repay, and the payment.
Pay it off inside the first 90 days and you keep up to 30% of the remaining cost. Pay it off inside the first 30 and the discount is at its largest — which matters when a big account pays early. Your actual numbers depend on underwriting your statements. Nothing on this page is an offer.
Representative file — $150,000 over 12 months
- Amount funded
- $150,000
- Total payback
- $190,500
- Cost of funding
- $40,500
- Daily payment
- $756 across 21 business days per month
- Weekly payment
- $3,664
- Paid off in the first 30 days
- You keep up to $12,150 of the remaining cost
- Status
- An illustration, not an offer
How do you read a distributor’s bank statements?
We’re looking at five things, and it helps to know them before you send.
- Average daily balance. More important than your top line. A wholesaler depositing $90,000 a month that never dips under $8,000 is a stronger file than one depositing $140,000 that lives at zero between supplier wires.
- Deposit count and consistency. Steady customer remittances across the month read as a working distribution book. A handful of large chain payments is fine — tell us who they are.
- NSFs. Three or fewer in 90 days is normal when supplier wires and customer payments don’t line up, and will not kill a file. Eight will.
- Your floor, not your average. We size the payment against your slowest month in the window, which is why seasonal distributors should send four months, not three.
- Large outgoing wires. A $200,000 wire to a supplier is a container, not a problem. We read it in context. If you have advances out, tell us up front — we’d rather structure around them than discover them, often with a term loan consolidation.
Daily or weekly?
Weekly
Suits a distributor whose receipts cluster — chain remittance runs on Tuesdays, route settlements on Fridays — one debit a week against a week of deposits.
Common for importers and anyone whose customers pay in a few large batches.
Daily
Suits a distributor with many accounts paying across the week — cash-and-carry, DSD routes, broadline — and usually prices better than weekly for the same file.
Debits run on business days only. Weekends and bank holidays are skipped.
Ask for the one that matches your deposit rhythm. You pick at signing, not after. If the payment stops working later, call us and we re-term it — see responsible funding practice.
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.
Working capital questions, answered.
Is a working capital advance a loan?
No. It is the purchase of a fixed amount of future receivables at a discount. There is no APR, no compounding, and no maturity-date balloon. You repay a fixed total amount through fixed daily or weekly ACH debits. See disclosures for the full description.
Can I get working capital with a 520 FICO?
Yes. Dockdoor Capital has no minimum credit score on working capital. We underwrite your business bank statements — average daily balance, deposit count, NSF pattern and your slowest month. Credit is reviewed but it is not a cutoff.
How much will I be approved for?
Working capital approvals generally land between 75% and 150% of one month’s bank deposits. A distributor depositing $100,000 a month typically sees offers between $75,000 and $150,000, sized so the payment survives the slowest month in the statement window.
Can I use it to pay a foreign supplier?
Yes. The funds land in your U.S. business bank account and you wire them wherever the purchase order says. Supplier deposits, container balances, customs duty and freight are the most common uses of this product here.
Will you take a second position?
We prefer to be first. If you have an open advance we will look at a consolidation or a re-term rather than stacking on top of you. Call before you take another position — the earlier you call, the more structure is available.
Do you hold back a percentage of my receipts?
No. There is no split funding, no holdback percentage, and no lockbox. Repayment is a fixed daily or weekly ACH out of your operating account, so your customers’ payments land exactly as they always have.
How early can I pay it off?
Any time. A working capital advance paid off within the first 30, 60, or 90 days qualifies for a prepayment discount of up to 30% of the remaining cost of funding. If a chain pays early or a container sells through fast, you keep part of the cost.
No minimum FICO. $15,000 a month. Six months open.
If you clear those three lines, you qualify to apply. Four minutes and three bank statements gets you a real number in about four business hours.