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Wholesale Finance

Keep growing your wholesale business with affordable, flexible finance. 

Capify offers a business loan created for wholesalers who are looking to make a large stock purchase, attract new buyers, hire additional staff or manage cash flow . It’s quick to apply and if approved, the cash is released within days. The business loan is unique because instead of being paid back in large monthly chunks, it’s paid back in small and regular amounts. 

Many wholesale businesses know that they can sell their products quickly and easily, but it can be costly to make the initial purchase. With Capify, our business loan will provide you with the funds to buy what you need and then you can repay in small and manageable amounts.

Benefits of a wholesale business loan from Capify

There are many benefits of coming to Capify for a wholesale business loan.


You can grow your business and achieve your plans


The repayments are small and manageable


The whole process, from application to funding, is quick and hassle-free


You don’t need to sell a portion of your business in return for investment


We’re always at the end of the phone if you have a question

You could use Capify's wholesale business loan in the following ways

Capify’s wholesale business loan is most commonly used for:

It’s important to emphasise that the loan can be used for any business purpose, whether that’s one of the reasons above or something completely different.

Check if you're eligible for a wholesale business loan

Capify’s wholesale business loan is a fantastic option for anyone that wants to grow their business. To be eligible you must:

Tick all of the boxes? Why not apply today and find out how much you can raise.

What does Capify offer to wholesale businesses?

Large monthly payments can be tough to manage along with alfl your other business expenses. A Capify business loan makes it easy to raise finance and manage healthy cash flow. You can raise £5,000 to over £500,000 and pay it back in small payments over 6-12 months. You’ll also keep 100% equity while you raise money. Investment into online businesses often comes with strings attached, not with Capify! Finance is unsecured and you’ll maintain 100% control of your business.

Wholesale Business facts

Selling online

The wholesale industry in the UK dominates e-commerce sales, reaching 108billion in 2018.

Food and drink

Food and drink wholesale distribution makes a vital contribution to the UK economy, employing nearly 60,000 people evenly across the country.

Perfume and cosmetics

In 2010, perfume and cosmetic wholesalers in the UK produced an estimated turnover of 5.14 billion British pounds. Since then, the annual turnover for this industry has increased year over year, reaching a value of 8.25 billion in 2018.

Applying for business finance with Capify is easy

Step 1

Fill out our simple online application. It takes two minutes from start to finish and you’ll find out if you’re conditionally approved.

Step 2

Submit the required documentation to our account management team, they’ll have a look over it and confirm how much you qualify for, what the repayments will be and the period of the loan.


Step 3

Sign and return the agreement and then the funds will be released. Now you have the money to achieve your plans!


There’s so many reasons a wholesaler might come to Capify for a business loan. Firstly, purchasing a lot of stock can be expensive and the majority of businesses don’t have thousands of spare pounds in their bank account. It’s also important that wholesalers implement technology in the business in order to easily monitor stock levels and know when more products need to be ordered. Again, whilst this tech will save time and money in the long term, it can be expensive at the beginning. 

Other reasons include: 

  • Paying for warehouses to store the products 
  • Hiring new staff 
  • Promoting deals and promotions

Our customers sit at the heart of everything we do and therefore it’s important that we make our products simple and accessible. We’re proud to have a team of dedicated professionals who can help guide IT business owners through the process and find the best solution for them. For this reason, we’ve built a strong community of customers who come back to us time and time again.

We place a lot of emphasis on human communication. Whilst we think that tech is important and delivers a fast process from application to receiving your funds, you’ll also have a dedicated point of contact who will always be available at the end of the phone if you’ve got a question. 

We also have a team of real people who look over every single deal. Not every business is the same, so we believe that underwriting should be conducted on a case by case basis rather than using a ‘one rule fits all’ approach.

Top Tips for Wholesale Businesses

Invest in technology

Technology has made such a difference to the way we live and work, and it’s value cannot be ignored. In order to stay ahead of competition, keep an eye out for technology worth investing in, the right piece of software could completely revolutionise the way you do business. Owning a wholesale company can be demanding, it’s important to know where stock levels are up to, be able to identify best sellers and ensure you don’t over or under order. The right piece of tech can monitor all these things for you, and provide alerts when something needs to be looked at, saving you time and money.


No matter what industry your wholesale business is based in, whether it’s food and drink or cosmetics, they’ll always be new trends. It’s important to follow the latest industry news to find out what’s going to be popular. Remember though, not every trend lasts so make sure you purchase stock wisely. You don’t want to be left with lots of spare product once the hype dies down.

We’re trusted by thousands of small and medium sized businesses.

We take pride in working with thousands of UK businesses, and we really appreciate what they say about our
products and services.

Apply online in minutes

Are you ready to make your dreams a reality?

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