DISTRIBUTION BUSINESS FUNDING
From fleet investment to warehouse capacity, our funding advances of £2k–£300k give distribution businesses the capital to handle more volume and grow their operations.
Reviews from Businesses like Yours
The UK wholesale and distribution sector employs over 1.1 million people and contributes more than £125 billion to the economy annually, according to ONS sector accounts and the UK Warehousing Association. For distribution businesses, cash flow is structurally stretched — goods must be purchased and transported before clients pay, with commercial payment terms routinely running to 30, 60, or even 90 days. A business funding advance gives distribution businesses fast access to working capital, without a personal guarantee.
Distribution Business Funding Advance
Got Capital provides unsecured business funding advances from £2,000 to £300,000 for distribution companies, wholesale distributors, logistics operators, and supply chain businesses across the UK. A funding decision is made in as little as one hour, and the advance can be in your account within 24 hours — without requiring a personal guarantee.
Why Distribution Businesses Need Flexible Funding
Distribution operates on a fundamental financial tension: stock and transport costs must be committed before customers pay. A distributor purchasing goods for delivery to retailers or commercial clients has already expended the cost of procurement, warehousing, and vehicle operation before a single invoice is settled. With payment terms of 30 to 90 days common across the sector, the working capital gap can be significant.
Fuel and transport costs are a particular pressure point. Diesel prices, although volatile, have remained elevated relative to pre-2020 levels. Fleet maintenance, tyre replacement, and vehicle servicing are non-negotiable costs that arrive on their own schedule. For businesses operating a fleet of delivery vehicles, these costs can be substantial and impossible to plan around.
Growth opportunities in distribution often require immediate capital investment. Winning a new supply contract — whether with a supermarket, a hospitality group, or a manufacturing business — requires additional vehicles, warehouse capacity, or staffing to be in place from the contract start date. The capital requirement arrives before the revenue does, and the window to mobilise is often short.
£2,000 – £300,000
Available Funding
1-Hour Decision
Once All Documents Received
Funds in 24 Hours
Once Approved
No Personal Guarantee
Never Required
Common Uses for Distribution Business Funding Advances
A Got Capital advance gives distribution and wholesale businesses the working capital to operate efficiently and pursue new contracts:
- Stock purchasing and inventory investment ahead of supply commitments
- Fuel, vehicle running costs, and fleet maintenance
- Vehicle purchases, deposits, or upgrades to expand delivery capacity
- Warehouse costs — rent, equipment, racking, and cold storage
- Bridging cash flow on commercial contracts with 30 to 60-day payment terms
- Staffing — drivers, warehouse operatives, and logistics coordinators
- Insurance renewals — goods in transit, fleet, and public liability
- Technology investment — route optimisation software, warehouse management systems, and tracking
Fund Your Business in 3 Easy Steps
Fund Your Business in 3 Easy Steps
1
Submit your funding application below
2
Agree on an offer for business funding
3
Receive funds fast into your bank account
Working Capital Up To £300K
We work alongside all of our clients to ensure funding is deployed fast and when it is needed, helping to supporting long-term operational health and sustainable business growth.
No Personal Guarantees Required
You are not required to provide a personal guarantees to qualify for a business funding advance, so there is no need to risk your personal property when you are looking to grow your business.
Apply with Any Credit Score
We determine your eligibility for funding based on intelligent models developed by Got Capital; your credit score alone should never be a barrier to receiving the money that your business needs.
Custom Payoff Plans Available
Should you no longer need funding, you may be eligible to return the remaining balance at a discounted rate, dependent on the condition of your account and repayments performance.
Am I Eligible?
✓ UK-registered business
✓ Minimum 3 months’ trading history
✓ Minimum £5,000 monthly revenue
✓ No personal guarantee required
✓ All credit histories considered — decisions based on business health
✓ Available to sole practitioners, small firms, and mid-sized practices
FREQUENTLY ASKED QUESTIONS (FAQs)
FREQUENTLY ASKED QUESTIONS (FAQs)
Yes — Got Capital provides business funding advances suited to distribution companies, wholesale distributors, logistics operators, and supply chain businesses. To qualify, your business needs to be UK-registered, have been trading for at least 3 months, and generate a minimum of £5,000 in monthly revenue. Decisions are based on your business health rather than your personal credit score, and no personal guarantee is required. Advances range from £2,000 to £300,000, with funds reaching your account within 24 hours.
Got Capital can issue a funding decision in as little as one hour. Once approved, funds are typically deposited into your business account within 24 hours. For distribution businesses, the gap between purchasing stock and receiving customer payment can run to 60 or 90 days. Fast access to working capital is essential to keeping operations running smoothly during that period. The entire application is completed online with no business plan or personal guarantee required.
Yes — all three are among the most common uses of a Got Capital advance for distribution businesses. Stock must be purchased before delivery, and transport costs run daily regardless of when clients settle their invoices. Winning a new supply contract requires vehicles, warehouse capacity, and staff to be in place from the contract start date. An advance gives you the working capital to meet those commitments before the first invoice is raised. There are no restrictions on how the funds are deployed within your business.
A traditional bank loan is a credit agreement where interest accrues over the loan term and fixed monthly instalments are due on a set schedule. Got Capital’s advance works differently: a single, fixed factor fee is agreed upfront, so you know the full cost before you commit. There is no compounding interest and no variable rate. You settle the advance as a proportion of your future revenue. No personal guarantee is required to secure the funding advance.
No. Got Capital does not require a personal guarantee from any business that takes an advance. A personal guarantee would make you personally liable if your business could not settle — potentially putting your home and savings at risk. Got Capital’s advances are unsecured: your personal financial position is not used as security, and no personal assets are put at risk in order to secure the funding advance.
Can I get a funding advance if my distribution business has an irregular or seasonal income pattern?
Yes — a Got Capital advance is specifically designed to work with businesses whose income is uneven. Many distribution businesses experience volume fluctuations tied to client order cycles, seasonal demand, and contract timing. You settle the advance as a proportion of your future revenue, so quieter periods result in proportionally smaller settlement amounts. This makes a Got Capital advance well suited to distribution companies with variable trading patterns.
Yes. Many of the distribution businesses funded by Got Capital have previously been declined by a high street bank. Banks assess applications primarily on credit scores, security, and rigid criteria that often disadvantage businesses with extended invoice terms and seasonal volumes. Got Capital assesses the health of your business — your revenue, trading history, and how your operation runs. If your distribution business generates at least £5,000 per month, has been trading for at least 3 months, and is UK-registered, your application will be reviewed on its own merits. Previous bank declines are not a barrier.
Apply for Business Funding Today
Apply for Business Funding Today