Wholesale & Distribution
Built around supplier terms, inventory and big confirmed orders.
Suppliers often want payment before customers pay you, and inventory ties up cash until it sells. Truidian helps distributors line up the providers built around that gap.
The realities
What makes distribution different.
Suppliers want payment before customers pay you.
Distributors often must pay suppliers upfront or on short terms, while their own commercial customers pay on net-30 to net-90 terms.
Inventory ties up working capital.
Stocking ahead of demand or taking advantage of supplier pricing requires cash that’s then locked up until the inventory sells.
Large orders can outgrow available cash.
A single confirmed order can exceed a distributor’s cash on hand, even when the deal itself is profitable.
Margins are often thin and volume-dependent.
Distribution frequently runs on lower per-unit margin and higher volume, which affects how much financing cost a deal can absorb.
Freight and logistics add variable cost.
Shipping, warehousing and fulfillment costs move with fuel prices, carrier capacity and order volume.
Customer credit quality drives collections.
Receivables risk is tied directly to the commercial customers being sold to, which affects both collections and factoring eligibility.
The provider stack
What a distribution provider stack covers.
Purchase-order financing
Funding to pay suppliers for a confirmed customer order the business can’t cover up front.
How PO financing worksInvoice factoring
Funding against outstanding customer invoices once an order is delivered and billed — often paired with PO financing.
How invoice factoring worksInventory financing
Funding secured by inventory, used to stock ahead of demand or take advantage of supplier volume pricing.
Explore capital optionsWorking capital
Capital for day-to-day operating costs between supplier payments and customer collections.
Working capitalPayments
Collecting from commercial customers and paying suppliers and freight carriers electronically.
Payment processingInventory & order software
Systems for inventory management, order processing and warehouse operations.
FAQ
Common questions from distributors.
Is Truidian a wholesale lender or inventory finance company?
No. Truidian is a business solutions company. Truidian helps wholesale and distribution companies identify and connect with third-party PO financing, factoring and inventory financing providers.
Can Truidian help fund a large confirmed order?
Yes. Truidian can help identify participating purchase-order financing providers that fund supplier costs for a confirmed customer order, often paired with factoring once the order is invoiced.
Can Truidian help finance inventory ahead of demand?
Truidian can help identify participating inventory financing providers. Advance amounts and terms depend on the type, turnover and resale value of the inventory.
What’s the difference between PO financing and invoice factoring?
PO financing pays your supplier upfront so you can fulfill a confirmed order; invoice factoring advances cash against the invoice after the order is delivered and billed. Many distributors use both in sequence on the same order.
Can I get inventory financing without other collateral?
Inventory financing is typically secured by the inventory itself, so it can be accessible without pledging other business assets. Advance rates depend on how easily the inventory could be resold if needed.
What does it cost to work with Truidian?
Truidian may receive compensation from participating providers. If any fee would be payable directly by your business, it will be disclosed before you engage.
Tell us about the order.
Share your supplier terms, order size and customer payment terms. We'll identify participating providers whose programs may fit.
Truidian is a business solutions company, not a lender or inventory finance company. Financing and services are offered by participating third-party providers and are subject to their approval and terms.