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Check If I Qualify
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01604 43 43 43
hi@centurybusinessfinance.co.uk

    Wholesale Business Loans

    Fast, Flexible Finance for Wholesale & Distribution Businesses

    Check If I Qualify
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    Check eligibility
    in 20 seconds

    Apply online
    in 2 mins

    Decisions in
    less than 1hr

    Borrow between
    £10,000 - £250,000

    No fees to
    settle early

     

                         

     

    Business Loans from £10,000 to £250,000 for your wholesale business

    Wholesale businesses sit at the centre of the supply chain, but they also face unique financial pressures. From purchasing large volumes of stock upfront to managing delayed payments from retailers and fluctuating demand, maintaining healthy cashflow is critical to keeping operations moving.

    A wholesale business loan provides fast access to funding to help distributors, importers and wholesalers purchase inventory, manage working capital, invest in logistics or scale operations without tying up cash reserves. With simple applications, quick decisions and flexible repayment options, wholesale finance allows you to trade confidently while maintaining stability.

    What Is Wholesale Business Finance?

    Wholesale business finance is funding designed specifically for businesses that buy goods in bulk and sell to retailers, resellers or commercial customers. Rather than paying large stock or operational costs upfront, you can spread the expense over an agreed term, helping you balance cashflow while continuing to trade.

    These loans are commonly used to fund inventory purchases, supplier deposits, warehousing costs, transport and distribution, seasonal stock builds and general working capital. Loan amounts typically range from £10,000 to £250,000 depending on turnover, trading history and affordability.

    4-customer-service-tips-for-in-store-bakeries-mobile

    Your Fast Track To Funding

    10,000
    +

    Businesses helped

    892,000,000
    £

    Million funds sourced

    24
     hours

    Average turnaround from start to finish

    10000
    +
    Businesses helped
    892000000
    £
    Million funds sourced
    24
    hours
    Average turnaround from start to finish
    10000
    +
    businesses helped
    892000000
    £
    million funds sourced
    24
    hours
    average turnaround time from start to finish

    How Does Wholesale Business Finance Work?

    Apply in Minutes

    When applying, lenders typically request:

    • Six months of business bank statements

    • Recent year-end accounts

    • Details of how the funding will be used

    • Supplier invoices or stock purchase details (if applicable

    Lender Assessment

    Lenders assess factors such as:

    • Your wholesale trading history and cashflow

    • Stock turnover and supplier relationships

    • Affordability based on margins and revenue

    • Payment terms with customers and suppliers

      .

       

    Repayments

    Once approved, funds are released quickly so you can move forward with confidence. Repayments typically include:

    • Fixed monthly repayments

    • Terms ranging from 1 to 5 years

    • Unsecured or asset-backed options
      Rates based on affordability and risk

    This provides predictable costs while supporting cashflow continuity across projects.

    When Should You Use Wholesale Business Finance?

    Wholesale loans are ideal when you want to grow or stabilise cashflow without restricting day-to-day operations. Common situations include:

    • Purchasing large volumes of stock upfront

    • Managing long customer payment terms

    • Preparing for seasonal demand spikes

    • Expanding product ranges or supplier relationships

    • Investing in warehousing or logistics

    • Covering import, shipping or customs costs

    • Smoothing cashflow between buying and selling cycles

      These loans work best when your business has consistent trading and reliable customer demand.

    Who Is Eligible for Wholesale Business Loans?

    Wholesale business finance may be suitable if:

    • Your business has at least 12 months of trading history

    • You operate a UK-registered wholesale or distribution business

    • Your accounts show stable turnover and healthy margins

    • You can demonstrate repayment affordability

    Both independent wholesalers and larger distribution businesses may be eligible.

    Ready to Secure Family Business Finance?

    At Century Business Finance, we work with a wide panel of lenders who understand the challenges faced by wholesale and distribution businesses. Whether you’re funding inventory, improving cashflow or scaling your operation, we make the process fast, simple and tailored to your needs.

    You can apply online in minutes and speak with a dedicated Account Manager if needed. Once approved, funds can often be released within 24 hours, giving you the flexibility to secure stock, fulfil orders and grow your wholesale business with confidence.

    Step 1

    Check if you’re eligible in 20 Seconds

    Step 1
    Step 2

    Apply online in 2 mins

    Step 2
    Step 3

    Get your decision

    Step 3
    Step 4

    Funds paid into your bank within 24 hours

    Step 4

    What our clients say

    Google-Review-Logo

     

     

     

     

     

     

    “Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”
    Jonathon Ison
    “The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”
    Wale Towolawi
    “No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”
    Owl Education Ltd
    “Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”
    Mark Gill
    “Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”
    Davis Sanassy
    “Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”
    Upul Ekanayake
    “Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”
    Alan Gates
    “Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”
    Nat
    “First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”
    John Bailey
    “Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”
    Mike Finnigan
    “I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”
    Marlon Carrington
    “Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”
    Justin Jones
    “I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”
    Finance Department
    “A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”
    Ryan White
    “Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”
    Dan Currey
    “A 5 star service. Very impressed with the account manager and will 100% recommend his services”
    Vincent Torku
    “As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”
    Alliance Speciality Care
    “The customer service from John was great, very friendly and efficient. Would definitely recommend”
    Katie
    “We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”
    Martyn Solari
    “A 5 star service. Very impressed with the account manager and will 100% recommend his services”
    Vincent Torku

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