Lenders by industry

MCA lenders for wholesale & distribution

Wholesale and distribution businesses run on invoice terms, so receivable timing and margins guide funding decisions. 131 of 132 indexed lenders publish no restriction against wholesalers and distributors.

131availableData refreshed 2026-09-27

Median minimum credit550

Median minimum revenue$30K/mo

Median time in business12 months

Known position records85 of 131

Lenders that restrict wholesalers and distributors

Capybara USA

Lender	Paper	Min credit	Min revenue	Max position
1DC Funding 11 sourced fields	Estimated C/D paper	—	$20K	—
1st Alliance Group✓ 13 sourced fields	C/D paper	500	$35K	Up to 6th
2M7 (Canada Only) 2 sourced fields	Estimated C/D paper	—	$15K	—
501 Advance✓ 9 sourced fields	A/B/C/D paper	550	$20K	Up to 4th
Ace Funding Source 4 sourced fields	Estimated D paper	500	$30K	Up to 4th
Alpha Equity Fund 3 sourced fields	Estimated B paper	—	$100K	Up to 2nd
Alternative Funding Group 10 sourced fields	D paper	550	$32K	—
altLINE 5 sourced fields	Estimated A/B paper	600	$10K	—
Amazon Lending 4 sourced fields	Estimated A/B paper	—	$10K	—
Amerifi Capital 7 sourced fields	C/D paper	500	$167K	—
App Funding Beta 3 sourced fields	Estimated D paper	—	$35K	Up to 6th
Backd 4 sourced fields	Estimated B paper	600	$100K	Up to 4th
Barclays Advance 2 sourced fields	Estimated B paper	—	$40K	Up to 2nd
Bitty Advance 12 sourced fields	Estimated B/C paper	450	$5K	Up to 4th
Biz2Credit 11 sourced fields	Estimated B paper	600	$40K	Up to 1st
Bizfund 4 sourced fields	Estimated C/D paper	550	$50K	Up to 5th
Bizpoint Capital 4 sourced fields	Estimated D paper	500	$20K	Up to 4th
Black Rok 3 sourced fields	Estimated B paper	—	$40K	Up to 2nd
Blade Funding 4 sourced fields	Estimated C/D paper	550	$50K	Up to 5th
BlueVine 5 sourced fields	Estimated A/B paper	600	$10K	—
Breeze Advance 6 sourced fields	Estimated B paper	—	$50K	Up to 6th
Bridge Funding 3 sourced fields	D paper	—	—	—
Cambridge Advance 7 sourced fields	Estimated B/C paper	—	$75K	—
CAN Capital 5 sourced fields	Estimated B paper	550	$15K	—
CanaCap (Canada Only) 7 sourced fields	—	—	$10K	Up to 5th
CapWorks Funding✓ 8 sourced fields	A/B/C paper	550	$50K	Up to 8th
Card Payment Systems 1 sourced field	—	—	—	—
CFGMS 7 sourced fields	Estimated C/D paper	—	$33K	—
Clovex 3 sourced fields	Estimated B paper	—	$25K	Up to 2nd
Credibly 4 sourced fields	Estimated B paper	550	$20K	Up to 2nd
Cromwell Capital 7 sourced fields	Estimated C/D paper	500	$46K	—
Diesel Funding 2 sourced fields	Estimated C/D paper	—	$30K	—
Diverse Capital 4 sourced fields	Estimated B/C paper	500	$100K	Up to 2nd
E Advance 7 sourced fields	Estimated C/D paper	500	$30K	—
eFinancialTree✓ 14 sourced fields	A/B/C paper	550	$35K	Up to 3rd
Eminent Funding 3 sourced fields	Estimated B paper	—	$50K	Up to 2nd
Epic Advance 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
Everest Business Funding 1 sourced field	Estimated D paper	—	$5K	—
Expansion Capital Group 13 sourced fields	Estimated C/D paper	500	$6K	Up to 3rd
Fintap 4 sourced fields	Estimated B paper	600	$20K	Up to 3rd
First Line Advance 3 sourced fields	Estimated B paper	—	$20K	Up to 2nd
Fora Financial 5 sourced fields	Estimated B paper	550	$15K	—
Forward Financing 9 sourced fields	Estimated B paper	500	$10K	—
Forward Financing - New Deals 7 sourced fields	Estimated D paper	—	$20K	—
Fox Business Funding✓ 11 sourced fields	Estimated D paper	500	$50K	Up to 5th
Fundamental Capital 10 sourced fields	A/B/C/D paper	500	$8K	—
Fundbox 5 sourced fields	Estimated A/B paper	600	$10K	—
FundFi Merchant Funding 9 sourced fields	Estimated C/D paper	—	$20K	Up to 5th
Funding Circle 5 sourced fields	Estimated A/B paper	620	$50K	—
Fusion Funding 9 sourced fields	A/B/C/D paper	550	—	—
G&G Funding 2 sourced fields	Estimated B paper	—	—	Up to 2nd
G6 Advance 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
GMFunding 2 sourced fields	Estimated D paper	—	$25K	Up to 5th
Greenbox Capital 4 sourced fields	Estimated A/B paper	650	$10K	Up to 2nd
High Octane 2 sourced fields	Estimated C/D paper	—	$30K	—
Highland Hill Capital LLC✓ 10 sourced fields	Estimated C/D paper	400	$30K	Up to 8th
Idea Financial 13 sourced fields	—	650	$15K	Up to 3rd
In Advance Capital 9 sourced fields	Estimated B/C paper	550	$20K	Up to 3rd
IOU Financial 14 sourced fields	A/B/C/D paper	650	$15K	Up to 2nd
JRG Funding 14 sourced fields	Estimated C/D paper	500	$60K	Up to 8th
Kabbage 5 sourced fields	Estimated A paper	640	$50K	—
Kalamata Capital 13 sourced fields	A/B paper	635	$25K	Up to 3rd
Kapitus 4 sourced fields	Estimated A/B paper	640	$50K	Up to 2nd
Kick Advance LLC 3 sourced fields	Estimated C/D paper	550	$30K	Up to 5th
KMT Funding 3 sourced fields	Estimated A paper	—	$15K	Up to 1st
Legend CA/TX 11 sourced fields	Estimated C/D paper	500	$20K	Up to 3rd
Legend Funding 4 sourced fields	Estimated A/B paper	600	$30K	Up to 2nd
Lendini 4 sourced fields	Estimated D paper	500	$10K	Up to 5th
Lendr✓ 14 sourced fields	A/B/C/D paper	600	$10K	Up to 2nd
LG Funding 4 sourced fields	Estimated B paper	600	$50K	Up to 4th
LIBERTY Financial Group 5 sourced fields	Estimated B/C paper	500	$10K	—
Lily Advance 3 sourced fields	Estimated B paper	—	$10K	Up to 2nd
Litefund 4 sourced fields	Estimated B paper	600	$150K	Up to 6th
Madison Advance 3 sourced fields	Estimated D paper	—	$75K	Up to 8th
Maior 2 sourced fields	Estimated B paper	—	—	—
ML Factors 4 sourced fields	Estimated B/C paper	500	$30K	Up to 2nd
MNR Capital Group 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
MNY Capital 3 sourced fields	Estimated B paper	—	$50K	Up to 2nd
Monetafi 8 sourced fields	Estimated C/D paper	575	$30K	Up to 6th
Mr. Advance 4 sourced fields	Estimated D paper	500	$50K	Up to 6th
Mulligan Funding 10 sourced fields	A paper	625	$42K	Up to 1st
National Funding 5 sourced fields	Estimated B/C paper	500	$10K	—
NewCo Capital Group 5 sourced fields	Estimated C/D paper	550	—	Up to 4th
Ocean Funding 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
OnDeck 10 sourced fields	Estimated A/B paper	625	$10K	—
OnDeck - Renewals Only 7 sourced fields	Estimated A/B paper	625	—	—
Palisades Advance 6 sourced fields	D paper	—	$45K	Up to 10th
PayPal Working Capital 4 sourced fields	Estimated A/B paper	—	$20K	—
Pearl Capital 8 sourced fields	C/D paper	—	$20K	Up to 4th
Pinnacle Business Funding 4 sourced fields	Estimated D paper	500	$30K	Up to 5th
Pirs Capital 13 sourced fields	Estimated C/D paper	500	$12K	Up to 1st
QFS Capital✓ 13 sourced fields	A/B/C/D paper	500	$30K	Up to 10th
Radiance Funding 4 sourced fields	Estimated B/C paper	550	$25K	Up to 3rd
Rapid Finance 11 sourced fields	Estimated B paper	600	$10K	Up to 3rd
Rapid Finance - Renewals 5 sourced fields	Estimated A/B paper	600	$10K	—
Reliable Capital 7 sourced fields	Estimated C/D paper	525	$25K	—
SG Credit Partners 2 sourced fields	—	—	—	—
Shopify Capital 3 sourced fields	Estimated A/B paper	—	—	—
Silverline Funding 11 sourced fields	Estimated C/D paper	500	$25K	Up to 6th
Slate Advance 3 sourced fields	Estimated D paper	—	$30K	Up to 5th
Smart Step Funding / Principis Capital 8 sourced fields	A/B paper	600	$21K	—
SmartBiz 5 sourced fields	Estimated A paper	650	$15K	—
SnapCap 5 sourced fields	Estimated B/C paper	500	$10K	—
Spartan Capital 12 sourced fields	—	500	$10K	Up to 4th
Specialty Capital✓ 14 sourced fields	A/B/C paper	550	$20K	Up to 5th
Speedy Funding 3 sourced fields	Estimated B paper	—	$50K	Up to 2nd
Square Capital 4 sourced fields	Estimated B paper	—	$10K	—
Stripe Capital 4 sourced fields	Estimated A/B paper	—	$50K	—
Superfast Cap 4 sourced fields	Estimated A/B paper	650	$40K	Up to 3rd
Swift Funding Source Inc✓ 12 sourced fields	B/C/D paper	500	$40K	Up to 6th
The Good Guys enterprise 3 sourced fields	Estimated B paper	600	$15K	Up to 3rd
The Merchant Marketplace 11 sourced fields	—	550	$10K	Up to 6th
The Smarter Merchant 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
Thoro 4 sourced fields	Estimated D paper	500	$100K	Up to 5th
Triton Capital 5 sourced fields	Estimated B/C paper	500	$10K	—
Trust Capital Funding✓ 14 sourced fields	B/C paper	525	$15K	Up to 4th
TurboCap 8 sourced fields	—	0	$50K	Up to 10th
TVT Capital 4 sourced fields	C/D paper	—	—	Up to 3rd
Unique Funding Solutions 11 sourced fields	Estimated B/C paper	550	$50K	—
United First✓ 14 sourced fields	B/C/D paper	500	$15K	Up to 8th
Uptown Fund 3 sourced fields	Estimated B paper	—	$40K	Up to 2nd
Velocity Capital Group 10 sourced fields	B/C paper	500	$30K	Up to 4th
Velocity CG 9 sourced fields	Estimated C/D paper	500	$30K	Up to 4th
Vox Funding 4 sourced fields	Estimated B paper	600	$15K	Up to 3rd
Westwood Funding Solutions 7 sourced fields	—	551	$40K	—
Wide Merchant Group 10 sourced fields	D paper	480	$28K	—
Wing Lake Capital Partners 3 sourced fields	—	—	$300K	—
Woodmere Financial 3 sourced fields	Estimated B paper	—	$15K	Up to 2nd
Wynwood Capital Group 11 sourced fields	B/C/D paper	500	$30K	Up to 9th
YES Leasing 6 sourced fields	—	0	—	—
Zlur Funding 3 sourced fields	Estimated A/B paper	—	$5K	Up to 1st