Key highlights
- Restock and pay suppliers while trade customers pay on account
- One application compares more than 80 bank and non-bank lenders
- Overdraft, line of credit or invoice finance matched to your stock turn
- Fast pre-approval and funding may suit eligible wholesalers
- Draw and repay flexibly as receivables come in
Wholesalers can use cash flow finance to restock, pay suppliers and cover overheads while trade customers settle their accounts on 30-day terms or longer. Overdrive Business Loans works with ABN holders across distribution, import, food and general wholesale Australia-wide, and dedicated broker Simon Kendrick compares more than 80 banks and non-bank lenders on one application. You get a single conversation, one set of documents, and a facility sized to your turnover, stock turn and the gap between paying for goods and being paid for them.
The working-capital squeeze
Wholesale is a working-capital business, and cash flow finance is built for its rhythm. You pay suppliers for stock, warehouse it, then wait while trade customers settle on terms, so cash is tied up at both ends at once. A big order or a supplier deal can drain reserves just when you want to reorder, and slow-paying customers only widen the gap. Cash flow finance smooths that timing so you keep shelves stocked and suppliers paid on schedule. Simon Kendrick maps your buying and collection cycle first, then matches a structure you can draw on to restock and repay as your receivables convert back into cash.
Options worth comparing
Cash flow finance is not one product, which is why comparing lenders matters. A business overdraft or revolving line of credit lets you draw and repay flexibly, paying only for what you use, ideal for topping up stock between sales. Invoice finance advances a portion of unpaid trade invoices, releasing cash locked in customers on terms. A short-term business loan delivers a defined lump sum for a specific reorder or seasonal build. Unsecured facilities are typically available up to around $500,000 depending on the lender, while secured options can go higher, always subject to lender criteria and your trading profile.
Pricing and speed
Cash flow pricing is indicative and set by each lender after assessment, so we never quote a single guaranteed rate. Time in business, monthly turnover, credit history and whether you offer security all shape it. Strong, well-secured wholesalers are generally priced more keenly, while short-term or higher-risk facilities cost more to reflect their flexibility and speed. For eligible applicants, same-day pre-approval and funding within 24 to 48 hours may be possible once documents are ready. Simon lays out the full cost of each option in plain terms so you can weigh speed against price before you commit.
What lenders want to see
Most lenders look for a registered ABN, at least six to twelve months of trading, and recent bank statements or accounting data showing money moving through the business. Healthy stock turn, a diversified customer base and a manageable existing debt load strengthen your case. Newer operators can still find lighter-doc options, usually with tighter limits. Because Overdrive lodges one application across the panel, you avoid repeated credit enquiries and duplicated forms. Simon flags what each lender weighs most, so you apply where approval is genuinely likely rather than testing your luck across several banks.
If stock and supplier bills are due before your customers pay, a short conversation can map your options quickly. Request a free quote and Simon Kendrick will compare suitable lenders for your wholesale business, explain the numbers clearly, and help you choose a facility that fits your stock cycle. There is no obligation and no wasted enquiries on your credit file.
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Free quote in minutes, decisions in 24–48 hours. No credit-score impact to enquire.