ACCOUNTS RECEIVABLE FINANCING FOR WHOLESALE BUSINESSES

Keep Orders Moving With Funding That Keeps Pace

Turn unpaid invoices into working capital for supplier payments, freight, fulfillment, or your next business move.

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Fast, Credible Funding For Invoice-Based B2B Wholesalers

Paychex Backing

Move forward with confidence and stable funding backed by Paychex.

48-Hour Approval

Get approved in as little as 48 hours, so delayed payments don’t slow the next order.

Same-Day Funding

Access same-day funding to support supplier, freight, and fulfillment costs.

B2B Invoice-Based

Designed for businesses that sell to other businesses and invoice for payment.

When Cash Flow Lags, Wholesale Momentum Feels It

Your wholesale and distribution business runs on timing. Inventory has to be purchased, orders have to ship, and suppliers need to be paid—even when customer payments are still 30, 60, or 90 days out.

Inventory Purchases Before Customer Payment

Your next order often needs to be purchased before payment from the last one arrives.

Supplier Payment Pressure

The more your business grows, the more supplier timing can affect your next move.

Freight and Shipping Costs

Freight, shipping, and fulfillment costs keep moving, regardless of whether customer payments have cleared or not.

High-Volume Orders

Big orders create big opportunities, but they can also stretch purchasing power and capacity.

Seasonal or Demand-Driven Buying Cycles

Peak demand can force fast buying decisions before cash flow has caught up.

Cash Tied Up in Shipped Goods

The order may be complete, but the cash may still be weeks away from your business.

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Everything Wholesale Businesses Need To Keep Cash Moving

You’ve shipped the order. The invoice is out. Now you need cash back in the business to pay suppliers, manage freight, fulfill the next order, and keep up with demand. Alterna helps turn unpaid invoices into working capital, with receivables support built around how your wholesale business runs

Invoice Funding

Once an order is shipped and the invoice is out, Alterna can help turn that receivable into cash. Use it for the next inventory buy, supplier bill, freight cost, or order already waiting.

Credit Research

Before you extend terms to a large buyer or new account, get a clearer look at customer risk. Alterna helps wholesalers make more confident decisions before one slow-paying customer creates cash flow pressure.

Cash Application

See what’s been paid, what’s pending, and where cash stands. Less manual tracking, more visibility across orders, invoices, and customer accounts.

Collection Support

When customer payments slow down, Alterna keeps things moving with the right balance of consistency and care.

Why Wholesale Funding Feels Different With Alterna

Speed

Move from application to funding faster, so delayed customer payments don’t hold up restocking, supplier bills, or the next shipment.

Flexibility

Fund invoices based on what your wholesale cycle needs next: inventory, freight, supplier payments, or a high-volume order.

Partnership

Work with people who understand receivables, buyer terms, supplier pressure, and the need to keep product moving.

“Having Alterna on our side was a great relief”

“Their reputation reassured our customers that all purchase orders were being honored, and our ability to deliver top-quality products on time was strengthened by the capital.”

R.T. Banks

Co-Owner, Tukes

How Wholesalers Keep Momentum With Alterna

Learn how Alterna helps businesses turn unpaid invoices into working capital that drives real business results.

  • CASE STUDY

    $1M in Funding Helps Fan Merch Printer Keep Up with Surging Demand

    When touring rock bands and professional sports brands began filling stadiums again in 2023, Tukes, Inc. saw a dramatic spike in purchase orders from an eager national customer base.

    Read Case Study Read More Case Studies

Let’s See What Faster Funding Could Do for Your Wholesale Business

If unpaid invoices are slowing down your next order, shipment, or supplier payment, Alterna can help you find a faster way forward.

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Frequently Asked Questions About Accounts Receivable Financing For Wholesale Businesses

Accounts receivable financing for wholesale businesses gives wholesalers and distributors a way to access cash from eligible unpaid invoices. Those 30-, 60-, or 90-day terms can leave cash out of reach. Funding eligible invoices helps bring it back into the business sooner.

Wholesalers still have to buy for the next order while cash from the last one is out on terms. Funding eligible invoices can give you more room to handle the next supplier bill, inventory buy, or order already in the queue.

Yes. Cash from funded wholesale invoices can be used for freight, shipping, supplier payments, fulfillment, and other operating costs. It gives you more room to manage the next move while customer payments are still working through their terms.

Distribution businesses may be approved in as little as 48 hours, depending on the company, customer, and invoice details. Same-day funding may be available after approval, so a bank timeline does not have to hold up the next move.

Banks usually look backward first: credit history, years in business, financials, and documentation. Alterna looks at the invoices you’ve already issued and the customers expected to pay them. That can make the process faster and easier to match to your actual cash flow needs.

Yes. When a large order comes in, the expenses usually show up before the payment does. Funding unpaid invoices can help cover the gap, so you’re not forced to slow down when demand picks up.

Yes. Funding is the core, but the support does not stop there. Alterna also helps wholesalers get clearer on customer risk, payment activity, and collections.