Inventory that has to be paid for before it sells.
Distribution is a business of terms. Suppliers want payment in 30 days, customers want 60, and the inventory sits in a warehouse in between. A line of credit lets a distributor take the purchase order, buy the goods, and carry the receivable without draining the operating account on every cycle.
Where the pressure shows up
Terms mismatch
When supplier terms are shorter than customer terms, every order temporarily finances a gap that grows with volume.
Large or unusual purchase orders
A single large order can consume more cash than a normal month of buying, even when the margin is healthy.
Seasonal and promotional buys
Pre-season commitments are often paid for months before the sell-through that justifies them.
How a line of credit helps
- Take on a larger purchase order without stretching payables.
- Cover the difference between supplier terms and customer terms.
- Fund seasonal inventory build ahead of the selling season.
Permitted uses are set by the terms of the specific facility. Nothing on this page is a statement of eligibility.
The product, in short
- Credit lines
- $25,000 – $750,000
- Pricing
- APRs starting at 8.99%
- Closing and funding
- As quickly as 5 days
- Who you apply with
- Best Line of Credit, directly
APRs starting at 8.99%. Actual APR depends on creditworthiness, underwriting, approval, and applicable terms. Not all applicants qualify for the lowest advertised APR. Timing depends on documentation, underwriting, and the transaction.
Start your applicationQuestions, answered clearly
Other industries we focus on
Give your business more room to move.
Business lines of credit from $25,000 to $750,000. APRs starting at 8.99%, with closing and funding as quickly as 5 days.
Checking your options does not affect your credit score.