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Wholesale 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.

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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:

  • Purchasing stock and popular new products
  • Expanding or improving storage space
  • Marketing and advertising to attract new customers and retain existing customers
  • Hiring more employees

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:

  • Own a UK based business
  • Own a limited company
  • Have a trading history of 12 months+
  • Process more than £7,500 a month through your business bank account

Tick all the boxes?

Why not apply today and find out how much you can raise.

 

 

What does Capify offer to wholesale businesses?

Owning a wholesale business can be extremely profitable and rewarding, but it’s also demanding. It’s important to have lots of stock in at all times or risk your customers going elsewhere. It’s also important to keep up to date with the latest products and trends and make sure the things you’re selling are competitively priced. Despite making money in the long run, many of these things require a cost up front, such as purchasing inventory and new product lines. That’s where Capify comes in.

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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 can borrow, what your 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.

 

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FAQ's

Why do wholesale services need to borrow money?

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

Why should I choose Capify over another finance provider?

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.

Adapt 

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.

 

Capify is proud to offer…


The personal touch

Our customers are never passed around a generic call centre. You’ll speak to the same Manchester-based account manager throughout the application process.


Get your funds in days

We work with small businesses from all over the UK, helping them get the cash they need when they need it.


Flexible daily repayments

No large monthly payments, just simple, manageable repayments over 6 to 12 months.

Why Capify?

Capify’s goal is to provide simple, quick, and responsible access to capital. We prioritise flexibility, excellent customer service, and have invested in funding solutions that work.

Enquire now, and you’ll be guided through the process by a dedicated account manager. They’ll be on hand to answer your questions and take care of your application from first contact to receiving your funds.

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