FUNDING FOR YOUR INDUSTRY
Wholesale & Distribution Business Funding
A distribution business runs on timing. You pay your suppliers up front, keep the shelves stocked and the trucks moving, and then wait 30, 60 or even 90 days for your customers to pay. Growth makes that gap wider: every bigger order means more inventory to buy before the money comes in.
Wholesale and distribution business funding gives you the working capital to close that gap on your terms. Magenta looks at how your business actually performs, not just a credit score, and pairs you with a dedicated advisor who understands inventory, freight and long payment terms.
No minimum credit score applies to Magenta Core, which requires at least one year in business and $15,000 in average monthly revenue. Other products have different requirements. All funding is subject to review and approval.
WHOLESALE & DISTRIBUTION · MAGENTA
What Is Wholesale & Distribution Business Funding?
Wholesale and distribution business funding is working capital for companies that buy goods in volume and sell them on to retailers, contractors, restaurants, healthcare providers and other businesses. It covers the costs that come before a sale is paid for: inventory, warehousing, freight and the people who pick, pack and deliver.
With Magenta Core, eligible businesses can access revenue-based financing up to $250,000 with no minimum credit score. Established distributors with larger revenue may qualify for Magenta Reserve, with funding up to $1 million. Decisions are typically made within an hour of a complete application, and funds can arrive as soon as the same day, subject to approval.
Your financing agreement explains the payment schedule and any options for requesting a payment adjustment as business revenue changes. Adjustments are subject to review and the terms of your agreement; early-payoff savings depend on the offer.
A STARTING POINT
Are We a Good Fit?
Magenta supports established distributors and wholesalers like yours. Here’s what we look for:
Starting requirements for Magenta Core. All funding is subject to full review and approval.
REAL BUSINESSES. REAL EXPERIENCES.
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Where Distributors Put Working Capital to Work
Every distribution business is different, but the pressure points are familiar. Owners most often use funding to:
- Inventory: Stock up before a seasonal peak or a large contract, or buy in volume to lower your unit cost.
- Supplier discounts: Pay early to capture prepayment, volume or early-pay discounts from your manufacturers.
- Receivables gaps: Keep payroll and operating costs covered while customers pay on net-30, net-60 or net-90 terms.
- Freight and fleet: Cover fuel, carrier rates and maintenance, or add a delivery truck or van.
- Warehouse and equipment: Add racking, forklifts, scanners or cold storage as your product lines grow.
- New customers and territories: Take on a new account, route or region without draining your cash reserves.
The right funding lets you say yes to the order in front of you while keeping enough cash on hand for the day-to-day.
WHOLESALE & DISTRIBUTION · MAGENTA
Effortless Funding, Tailored to You
As a flexible alternative to a traditional bank loan, Magenta removes many of the barriers distributors face when they need capital quickly.
We’ve made our application process as straightforward as our financing:
- Fast Decisions: Offers typically within an hour.
- Transparent Terms: Clear, concise, and built for trust.
- Credit-Friendly: No minimum credit score for Magenta Core.
- Flexible Repayment: Early payoff discounts, depending on your offer.
- Dedicated Advisor: Your funding journey guided by a real expert.
Apply Online
Complete a simple application in minutes.
Fast Review
Get a decision typically within an hour and a tailored offer, upon approval.
Receive Funds
Funding may be available as soon as the same day, subject to approval.
Applying with Magenta is simple, so you can get back to keeping orders moving.
FIND YOUR FIT
More than one path. The same guidance.
| Product | Maximum funding | Starting requirements |
|---|---|---|
| Magenta Core | $250,000 | 1 year in business · $15K average monthly revenue · No minimum credit score |
| Magenta Reserve | $1 million | 2 years in business · $40K average monthly revenue · 600+ credit score |
| Term Loans | $500,000 | 1 year in business · $10K average monthly revenue · 600+ credit score |
| Lines of Credit | $150,000 | 1 year in business · $10K average monthly revenue · 600+ credit score |
Meeting starting requirements does not guarantee approval. Magenta specializes in and directly provides revenue-based financing. Term loans and lines of credit may be presented through third-party partners; business loans are restricted to certain states.
PLAN YOUR NEXT MOVE
Business funding calculator.
Explore funding options for your business. Enter your revenue, preferred term, credit range, and goals to see what may be possible.
YOUR PLANNING ESTIMATE
You could be eligible for
Capped at the $150,000 line-of-credit maximum.
Capped at the $250,000 Magenta Core maximum.
Capped at the $500,000 term loan maximum.
Select an option to preview its payments.
Your selected term reduced this estimate to support healthy cash flow.
Potentially eligible products
- Revenue-based financing
- Line of credit
- Term loan
Estimates are for illustrative purposes only. Final eligibility, funding amounts, and terms are subject to approval, full underwriting, and review of your business and borrowing history.
WHOLESALE & DISTRIBUTION · MAGENTA
Why Distributors Choose Magenta
Wholesale margins are often thin and volumes are high, so the timing of every dollar matters. Magenta specializes in and directly provides revenue-based financing, and we look at your revenue, your operating history and where you want to take the business, not just a number on a credit report.
Your dedicated advisor takes the time to understand your suppliers, your customers and your busy seasons, then helps shape an offer that fits your cash flow. Our support continues after funding: when the next opportunity arrives, your advisor is a call away.
Whether you distribute food and beverage, building materials, electrical and plumbing supplies, industrial parts or consumer goods, Magenta is ready to help you invest in what’s next.
A LITTLE MORE CLARITY
Wholesale & Distribution Funding Questions, Answered
What can a wholesale or distribution business use funding for?
Most distributors use it for working capital: buying inventory ahead of a large order or a seasonal peak, taking an early-pay or volume discount from a supplier, covering freight and fuel, meeting payroll while invoices are outstanding, adding a truck, forklift or racking, or opening a new route or territory. Your advisor will talk through what you have in mind.
How does revenue-based financing work for a distributor?
Magenta Core is revenue-based financing: you receive a lump sum up front and repay it from your business revenue on a set schedule, rather than through a traditional loan. Your financing agreement explains the payment schedule and any options for requesting an adjustment if revenue changes, subject to review and the terms of your agreement.
Can I qualify if my customers pay on net-30 or net-60 terms?
Yes, you can apply. Slow-paying receivables are one of the most common reasons distributors look for working capital. We review your business revenue and bank activity as a whole, so long invoice terms don't rule you out on their own. Every application is subject to full review and approval.
Do I need good credit to get wholesale business funding?
Magenta Core has no minimum credit score. It needs at least one year in business, $15,000 or more in average monthly revenue and an active business checking account. Magenta Reserve, for larger and longer-established businesses, starts at two years in business, $40,000 in average monthly revenue and a 600+ credit score.
How much can a wholesale business get, and how fast?
Magenta Core offers up to $250,000 and Magenta Reserve up to $1 million. Decisions are typically made within an hour of a complete application, and funds can arrive as soon as the same day, subject to approval and your bank.
INVEST IN POSSIBLE.
Ready to Get Started?
Take the first step toward your next order, route or warehouse. Apply now or talk with an advisor to learn how Magenta can help your distribution business grow.