Invoice finance for wholesale and distribution
Saturday 20th September 2025
Last updated: 23rd December 2025
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Cash flow challenge: Wholesalers and distributors operatIng on extended customer credit terms, creating cash flow gaps while covering stock, transport, and supplier costs.
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Perfect for: UK wholesale, import, and distribution businesses needing steady working capital to fund stock, logistics, and trade relationships.
Novuna helps wholesale and distribution businesses access cash tied up in unpaid invoices through tailored invoice finance solutions either through our award-winning in-house service or by comparing providers to ensure you have a great deal for your situation.
Keep your stock, logistics, and supply chain moving with invoice finance
In the wholesale and distribution sector, success depends on timing by buying and moving stock before clients settle their invoices. Yet most customers pay on 30, 60, or even 90-day terms.
Invoice finance bridges that gap by unlocking up to 90% of the value of your invoices within 24-48 hours, giving you immediate access to cash that can be used to:
- Purchase new stock and materials.
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Pay suppliers and transport partners promptly.
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Manage warehousing, logistics, and shipping costs.
How invoice finance works for wholesalers and distributors
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You raise an invoice after supplying goods to your customer.
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Novuna advances up to 90% of that invoice value within 24-48 hours.
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You use the funds to purchase stock, pay suppliers, or manage operations.
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Once your customer pays, the remaining balance (minus a small service fee) is released to you.
Benefits of invoice finance for umbrella companies
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Predictable cash flow: Ensure payroll, HMRC, and supplier payments stay on schedule.
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Fast access to funds: Unlock up to 90% of invoice value within 1–2 days.
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Scalable facility: Funding grows with your contractor base or client list.
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Non-debt solution: Access money already owed rather than borrowing.
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Improved compliance: Maintain HMRC and employment obligations without disruption.
Combining invoice finance with other funding tools
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Use trade finance to fund large or overseas orders before payment is received.
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Combine asset finance to acquire vehicles, machinery, or warehouse equipment without upfront costs.
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Add supply chain finance to strengthen relationships with suppliers through faster payment.
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Integrate working capital loans for additional liquidity during seasonal peaks.
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Employ cash flow management tools to plan around customer payment terms and inventory cycles.
How Novuna Business Cash Flow can help
We’ve supported wholesalers, distributors, and importers across the UK with finance solutions designed to maintain working capital and fuel growth.
Speak to our experts today and we will help you find a great fit for your situation.