From production to shelf, our financing solutions are built to keep your cash flow steady, your supply chain moving, and your growth on track—no matter how demand shifts.
In wholesale, timing is everything—whether you’re fulfilling large orders, stocking up ahead of seasonal peaks, or responding to sudden shifts in buyer demand. But with long supplier lead times and delayed customer payments, cash flow doesn’t always keep pace with your business.
That’s where we come in. We don’t just fund transactions—we fuel distribution. Our funding solutions are designed for wholesalers and supply-driven businesses that need funding as flexible as their markets. With eCapital, you gain the financial agility to secure inventory, manage fluctuating demand with confidence, and grow without disruption.
In the fast-paced world of wholesale and consumer goods, demand shifts quickly—and so should your access to funding. Our funding solutions are built to help you stay ahead of production cycles, manage supplier payments, and respond to new orders without slowing down.
Need help figuring out which solutions are best for your consumer goods brand?
Our experts are here to make funding simple, clear and stress free.
With over two decades of experience, we offer more than finance—we deliver speed, flexibility, and solutions tailored to the demands of the wholesale sector. From managing long retailer payment terms to scaling for seasonal demand, eCapital gives you the financial tools and trusted support to keep your supply chain moving, your shelves stocked, and your business growing.
Our financing is designed for wholesale and consumer goods—tailored to match your cash flow, production cycles, and sales channels
Bridge the time between production costs and retailer payments, so you can operate without delays or cash flow stress.
Access funding to secure raw materials, fulfill large orders, or respond to sudden demand—without missing a beat.
Support strategic expansion, whether its launching new product lines, entering new markets, or investing in innovative technologies to elevate profitability.
Meet production demands, maintain optimal inventory levels, and respond quickly to changing market conditions.
Work with a team that understands the wholesale sector and offers financing strategies built to support your long-term success.
A leading wholesale distributor of consumer packaged goods needed additional liquidity to build stock ahead of seasonal peaks and ensure timely delivery to national retailers.
Despite strong sales growth, cash flow was under pressure due to extended retailer payment terms. Inventory had to be purchased months in advance, leaving the business exposed to funding gaps during its busiest periods.
eCapital structured a flexible invoice finance facility that unlocked working capital tied up in receivables. This gave the distributor the headroom to secure inventory, meet demand spikes without disruption, and continue building long-term retailer relationships.
A fast-growing consumer goods wholesaler was expanding its product range and onboarding several large retail customers, driving record sales volumes.
Growth brought higher costs: larger orders from overseas suppliers, increased logistics, and extended payment terms from major retailers. Traditional bank facilities had capped out, leaving the business short of the funding required to match demand.
eCapital provided a invoice finance facility, secured against receivables and inventory. This released the working capital needed to manage supplier costs, fulfil larger orders, and continue scaling without interruption.
A household consumer goods brand wanted to invest heavily in developing a new product line to stay ahead of changing consumer trends.
Significant investment was required upfront for R&D, packaging, and marketing, but the returns would not be realised until well after launch. Traditional funding sources were reluctant to support the brand without immediate revenue to back the spend.
eCapital designed a facility that leveraged the company’s receivables and stock to free up liquidity. This allowed the business to fund its innovation pipeline, bring new products to market quickly, and maintain its competitive edge.
A national wholesaler supplying consumer goods to major retailers experienced sudden cash flow strain when its bank reduced credit availability.
The credit squeeze hit just as the business was preparing for peak trading season. With stock already on order and retailers demanding tight delivery schedules, the wholesaler needed immediate funding to avoid disruption.
eCapital stepped in with confidential invoice discounting facility bespoke to the business’s working capital cycle. By unlocking funds tied up in receivables, the wholesaler was able to bridge the gap, maintain supply chain continuity, and protect key customer relationships.
We understand the fast pace and constant pressure of running a product-based business—because we’ve been helping businesses thrive for over two decades. Our philosophy is simple: put product-driven businesses first with financing that’s flexible, reliable, and built to support the full supply chain.
We believe in lasting partnerships, proactive support, and funding solutions that do more than solve short-term gaps—they power long-term growth. With deep experience in the consumer goods space, and funding strategies aligned with your production cycles and payment terms, we’re here to help you stay stocked, stay agile, and scale with confidence.
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Funding for wholesale businesses refers to funding solutions designed specifically for businesses that purchase, distribute, and supply goods in bulk to retailers or other businesses. The sector often faces challenges such as extended customer payment terms, seasonal demand shifts, and the need to commit significant capital to stock long before sales are realised.
Rather than relying solely on cash reserves or restrictive bank facilities, wholesalers can access flexible solutions such as invoice and cash flow finance or Bad Debt Protection. These facilities release the cash tied up in receivables, inventory, or other assets, giving businesses the working capital needed to manage operations and pursue growth opportunities.
With eCapital, wholesale financing is bespoke to the unique pressures of distribution and supply, ensuring liquidity is available when it matters most.
Wholesalers face challenges that differ from many other industries. Customers often expect extended payment terms of 60–120 days, while suppliers and manufacturers must be paid upfront for goods, shipping, and logistics. This timing gap puts significant strain on working capital.
Seasonal surges can intensify the pressure, with large stock purchases required well before revenue is received.
Without flexible financing, wholesalers risk turning down major contracts, struggling to meet fulfilment deadlines, or being unable to maintain stock levels. Bespoke financing bridges this gap by aligning cash flow with the realities of wholesale, ensuring distributors can seize opportunities, keep supply chains moving, and stay competitive.
Options include but not limited to:
eCapital tailors these facilities to suit the needs of fast-moving consumer goods businesses, ensuring flexibility as sales cycles shift.
Strong relationships are essential in wholesale. Retailers expect distributors to deliver stock reliably and on time, while upstream suppliers need to be paid promptly to keep goods moving. Financing provides the liquidity to meet both expectations without compromise.
By unlocking cash flow, wholesalers can:
The result is greater trust on both sides of the supply chain, strengthening long-term, profitable partnerships.
The cost of wholesale financing varies depending on invoice volume, customer creditworthiness, and the type of facility chosen. Typically, fees include a small percentage of the invoice value plus a discount rate on the funds advanced.
While there is a cost, the return is substantial. Financing enables wholesalers to take on larger orders, manage seasonal peaks, and maintain strong supplier relationships without cash flow interruptions. For many businesses, the ability to meet retailer demand and keep supply chains moving far outweighs the fees.
eCapital offers transparent pricing with no hidden charges, ensuring facilities remain both cost-effective and sustainable.
eCapital has extensive experience supporting UK wholesale businesses. With operations in the UK, US, and Canada, and a track record across multiple industries, we understand the pressures wholesalers face from large retailer orders, seasonal fluctuations, and supply chain costs.
Key benefits include:
For wholesale businesses looking to strengthen cash flow, fulfil retailer demand, and grow with confidence, eCapital offers more than finance—it delivers a partnership built for long-term success.
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