Commercial Distribution Finance for Manufacturers, Wholesalers & Retailers
Keep your supply chain moving with flexible cash-flow funding that bridges the gap between supplier payments and customer receipts.
100% free. No credit score impact. Takes under a minute.
Trusted by 40+ lenders Australia-wide.
🏆 Finalist – Lenders’ Choice Broker of the Year 2025 (Optimise)
Approval and timing subject to lender and applicant profile.
What Is Commercial Distribution Finance?
Commercial Distribution Finance isn’t one product — it’s a smarter way to fund the movement of goods through your supply chain.
It’s ideal for manufacturers, wholesalers and retailers who:
✅ Need to pay suppliers before customer payments arrive.
✅ Hold stock for seasonal demand or production runs.
✅ Want ongoing cash-flow flexibility without bank red tape.
Whether you’re upgrading to a new energy-efficient unit or replacing aging equipment, we’ll help you fund it fast.
Who this is designed for
It’s ideal for manufacturers, wholesalers and retailers who:
Manufacture FMCG, clothing, or locally produced goods.
Import and distribute packaged products or materials.
Supply retailers on 30–90 day terms.
Experience cash-flow pressure from supplier and customer timing.
Example:
A commercial kitchen equipment wholesaler used a debtor cash line to cover $150K in stock ahead of a busy period. As soon as the debtor cash line was available, it allowed the business to cover the cost of running operations while they waited for 200k + worth of unpaid invoices.
How it works
You place an order or start production.
Your facility covers supplier costs.
You sell stock and receive payments.
You repay and reuse the limit as needed.
It’s a revolving cash-flow solution — fund, sell, repay, repeat — so your business never slows down waiting for money to come in.
Funding Options Within Commercial Distribution Finance
Business Line of Credit
Access funds instantly for supplier payments or large stock orders, then repay as sales flow in.
Perfect for ongoing cash-flow needs and seasonal peaks.
Debtor Cash Line
A line of credit secured against your debtor invoices — not a traditional invoice finance product.
Your limit is based on average outstanding invoices.
Once approved, you draw down as needed — no per-invoice requests.
It’s completely undisclosed to your customers — they never know finance is involved.
It acts like a true credit line you control, secured only by your receivables.
Trade Finance
Fund local or overseas supplier payments upfront while preserving your cash reserves.
Great for importers and manufacturers buying materials in bulk or foreign currency.
Inventory Finance (High Volume)
For high-volume FMCG or e-commerce operations (typically $5 million + turnover).
Finance inventory in transit or held in warehouse to unlock significant cash-flow capacity.
Key Benefits
💸 Smooth cash flow — cover supplier costs before payments arrive.
🚀 Flexible funding — draw and repay any time within your limit.
🌍 Supplier confidence — pay on time, negotiate better terms.
📦 Stock readiness — meet demand without tying up cash.
🕒 Fast approvals — most facilities approved within 24–48 hours.
Example Industries We Support
FMCG Manufacturers
Fund materials and packaging orders
Typically - Debtor cash line
Wholesalers
Pay overseas & local suppliers
Typically - Trade Finance
Retail Chains
Purchase inventory for multiple locations
Typically - Line of Credit
Why This Beats a Standard Business Loan
Commercial Distribution Finance
Purpose - Ongoing stock & supplier funding
Flexibility - Revolving facility - draw as needed
Security - Debtors, property, or unsecured
Speed - product dependent, 2 days to 2 weeks
Disclosure - Undisclosed
Standard Business Loan
Purpose - One off capital injection
Flexibility - Fixed term and repayment schedule
Security - Secured above 150k
Speed - 1 day to 1 week (subject to complexity)
Disclosure - Undisclosed
Frequently Asked Questions
Do I need to own property to qualify
No. Most facilities are secured against your debtors. Larger limits may require property.
Is the cash line the same as invoice finance?
Not exactly. The Debtor Cash Line is a revolving credit limit secured by your invoices, except there is now invoice verification process and you can draw down anytime.
Can I combine different facilities?
Yes. Many clients blend a line of credit with trade finance or a debtor cash line to match their business cycle. For example, the trade finance is specifically for paying materials.
How fast can I get approved?
Most facilities are pre-assessed the same day and workshopped within 24-48 hours of receiving supporting documents.
Ready to Keep Your Supply Chain Moving?
Find out if your business qualifies for Commercial Distribution Finance.
It’s 100 % free to check your eligibility and won’t impact your credit score.
100% free. No credit score impact. Takes under a minute.
Trusted by 40+ lenders Australia-wide.
🏆 Finalist – Lenders’ Choice Broker of the Year 2025 (Optimise)
Approval and timing subject to lender and applicant profile.
Compliance
Information on this page is general in nature and does not constitute financial advice. All applications are subject to lender approval criteria and verification of information provided.
