Discover the right business loan in Australia. Compare options and get the funding your business actually needs.
Your business does not have to fit a category to be funded. If yours is not listed, it is still worth asking.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
B2B embedded finance isn’t just a tech upgrade; it’s a strategic lever to boost acquisition, conversion, and retention.
Your existing clients aren’t just customers; they’re a source of potential growth.
Industry finance
Wholesale & distribution finance
Pay the supplier when the stock ships, and cover the wait until your customers pay.
Common USEs
Where wholesale businesses use finance
Bulk stock orders
A supplier’s volume price usually means paying for the whole order upfront, often months before the last carton sells.
Supplier payments
Local and overseas suppliers often want their money before the goods ship. Your customers pay once the stock has turned up on their shelves.
Customer payment terms
Stock, freight and wages go out on day one, while your invoices sit on 30, 60 or 90-day terms.
Seasonal peaks
Stock up for your busiest months without emptying the business account weeks before the orders roll in.
Warehouse and equipment
Forklifts, racking, cold storage and packing equipment, paid off over the years they’re working for you.
Delivery vehicles and expansion
Another van or truck, a second warehouse or a new product line, with the cost spread across the years it earns.
Compare your options
Six ways to fund your wholesale business
Why Valiant
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Dedicated specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
Getting started
How to apply for wholesale finance
Step 1
Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2
Get approved
Confirm your quote and we'll manage the application with your lender, so you can focus on running your business.
Step 3
Get funded
Sign your finance documentation and receive funding. It is that simple.
Requesting a quote has no impact on your credit score.
Our panel
Bringing you Australia's best business lenders
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- Equipment
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- Working capital
- Invoice
- Trade & supply chain
- Commercial property
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FAQs
Can you help importers?
Yes. Trade finance works for overseas suppliers as well as local ones, so you can pay for an order before the shipment lands.
How long do I need to have been trading?
Most lenders want to see at least 6-12 months of trading. Once you’ve been going for two years, you’ll usually have more options.
How do lenders assess wholesale businesses?
Lenders look at your margins, how quickly your stock turns over and how much of your revenue comes from a few big customers. They also check your debtor days (how long customers take to pay you) and your existing debt.
Trade finance or invoice finance: Which suits a wholesaler?
They cover opposite ends of the same gap. Trade finance pays your supplier for stock before you’ve sold it. Invoice finance advances cash on invoices while you wait for customers to pay. Many wholesalers use both.
Can I get finance with a past default?
It’s possible. Some lenders on our panel consider businesses with past credit issues, especially when the default has been paid and cash flow is strong. Your broker can tell you which lenders are worth approaching, and nothing is submitted without your OK.
Do I need property as security?
No. Unsecured options are available, though lenders often ask for a director’s guarantee. Offering property as security can get you a larger amount and a lower rate. We’ll show you both so you can weigh them up.
How much can a wholesale business borrow?
It depends on your turnover, cash flow, existing debt and any security you can offer. As a guide, business term loans run from $5,000 to $500,000 and invoice finance from $50,000 to $5,000,000. Secured loans can go higher.
Can a wholesale business get a loan within a week?
Often, yes. Valiant can usually give you a quote within 24 hours, and some lenders can settle within 24 hours of approval. Timing depends on the lender, the product and how quickly you can send your documents.