Stop waiting 30–60 days for retail and trade customers to pay while your suppliers need paying now. Amber Finance helps wholesale and distribution businesses across Wolverhampton, Birmingham, Dudley, and Walsall release up to 90% of their trade invoice value within 24 hours — so you can restock, pay suppliers, and grow your business without cashflow constraints.
Wholesale and distribution businesses operate in one of the most cashflow-intensive sectors in the UK. You purchase stock from suppliers — often paying upfront or on short credit terms — then sell to retailers and trade customers who expect 30, 45, or 60 days to pay. This creates a persistent working capital gap that limits how much stock you can hold, how quickly you can fulfil orders, and how fast you can grow.
Amber Finance is a Wolverhampton-based invoice finance broker with extensive experience arranging funding for wholesale and distribution businesses. We work with a panel of 50+ lenders, including specialists who understand the trade sector's unique stock-funding challenges, seasonal demand patterns, and the importance of maintaining strong supplier relationships.
Whether you run a food and drink wholesaler in Birmingham, a building materials distributor in Wolverhampton, a clothing importer in Dudley, or an industrial supplies business in Walsall, we can find the right invoice finance facility to keep your cashflow moving and your business growing.
Wholesale and distribution businesses face unique working capital pressures. Invoice finance is designed to solve them.
Retailers and trade customers expect 30–60 day payment terms, but stock must be purchased and suppliers paid upfront. Invoice finance closes this gap.
Wholesalers must hold significant stock to fulfil orders quickly. Without reliable cashflow, restocking becomes a constant constraint on growth.
Peak seasons require large stock purchases before the revenue arrives. Invoice finance scales with your invoices, giving you the working capital to meet demand.
If a major retail customer goes insolvent with unpaid invoices, the impact on a wholesale business can be severe. Bad debt protection removes this risk.
Advance rate
Up to 90%
Funding speed
24 hours
Facility size
£100k – £10m+
Setup time
7–14 days
For wholesale businesses, stock is your most important asset — but it ties up significant working capital. Every pound locked in stock on your shelves is a pound you cannot use to pay suppliers, fund new orders, or invest in growth.
Invoice finance releases cash from your sales ledger within 24 hours, giving you the working capital to restock quickly, take advantage of bulk purchase discounts, and fulfil large orders without turning business away. Combined with supplier credit, it creates a powerful cashflow cycle that supports sustainable growth for wholesale businesses across the West Midlands.
Distribution businesses often face extreme seasonal demand — Christmas, Easter, back-to-school, and summer peaks can require stock purchases three to four times your normal monthly volume. Traditional bank overdrafts rarely flex to meet these peaks, leaving distributors unable to fulfil their largest orders of the year.
Because invoice finance is tied directly to your sales ledger, your available funding increases automatically as your invoices increase. This means your facility grows precisely when you need it most — during peak seasons — and contracts again when demand normalises, without any additional paperwork or renegotiation.
Based in Wolverhampton, we arrange wholesale and distribution invoice finance for businesses throughout the West Midlands and beyond.
Wholesale and distribution invoice finance works by advancing up to 90% of the value of your trade invoices within 24 hours of raising them. Wholesalers typically sell to retailers and other businesses on 30–60 day credit terms, but stock must be purchased and suppliers paid long before customer payment arrives. Invoice finance bridges this gap, releasing cash from your sales invoices immediately so you can restock, pay suppliers, and fulfil new orders without cashflow delays. As a Wolverhampton-based broker, we work with lenders who understand the wholesale sector's unique stock-funding and seasonal demand challenges.
Yes — this is one of the most powerful applications of invoice finance for wholesalers. During peak seasons (Christmas, summer, back-to-school), order volumes spike and you need to purchase significantly more stock before the revenue arrives. Because invoice finance scales automatically with your sales ledger, your available funding increases as your invoices increase, giving you the working capital to meet seasonal demand without taking on fixed loans or overdrafts.
Absolutely. Invoice finance and supplier credit work very well together. Supplier credit gives you 30–60 days to pay for stock; invoice finance releases cash from your customer invoices within 24 hours. Used together, they create a cashflow cycle where you can pay suppliers on time (protecting your credit terms and early payment discounts) while your customers pay you on their normal terms. We can advise on how to structure both to maximise your working capital.
With factoring, the lender manages your credit control and chases customer payments on your behalf — useful for smaller wholesale businesses without a dedicated accounts team. Invoice discounting is confidential, meaning your customers do not know you are using finance and you retain control of collections. For larger wholesale and distribution businesses with established credit control processes, invoice discounting is often preferred as it preserves customer relationships.
Most wholesale and distribution businesses in the West Midlands can have a facility in place within 7–14 working days of application. Once live, funds are typically released within 24 hours of submitting an invoice. Some lenders offer same-day funding for established facilities. We handle all the paperwork and lender negotiations on your behalf, so you can focus on running your business.
Invoice finance is designed for business-to-business (B2B) sales on credit terms. If you sell to trade customers (retailers, other businesses) on invoice, those invoices are eligible. Sales to individual consumers (B2C) or cash sales are generally not eligible. If your business is a mix of B2B and B2C, we can arrange a facility that covers your eligible trade invoices while you manage direct consumer sales separately.
We use cookies to improve your experience
We use analytics cookies (Google Analytics) to understand how visitors use our site so we can improve it. We never sell your data. Cookie Policy & Privacy Policy.