Wholesale & Distribution Factoring

Wholesale Factoring Solutions to Keep Your Business Moving

Running a wholesale or distribution business means managing tight margins, high inventory costs, and waiting weeks—or even months—for customers to pay their invoices. At Apex Capital, we help you turn unpaid invoices into immediate cash so you can focus on growing your business.

What is Wholesale Factoring?

Wholesale invoice factoring is a financial solution where your business sells its unpaid invoices to a factoring company—like Apex Capital—for an immediate advance, typically within 24 hours. Instead of waiting 30, 60, or 90 days for customers to pay, you get the cash flow to cover operating expenses, purchase inventory, pay employees, and invest in growth.

Wholesale and distribution factoring. Invoice factoring for wholesale and distribution companies

How Factoring Works in Manufacturing

Deliver Goods or Services: You ship your product or complete your service.

Get Paid Fast: Once verified, payment is deposited into your account instantly, same-day or next-day, depending on your funding option.

Submit Invoices: Send your unpaid invoices to Apex Capital.

We Collect from Your Customer: Your customer pays us according to the original terms.

Why Work With Apex Capital?

We know cash flow is the lifeblood of your business. That’s why we offer more than just funding:

Fast, Reliable Payment – Get funded within 24 hours.
No Hidden Fees – Transparent, competitive invoice factoring rates with no surprises.
Professional Collections – We handle collections professionally, so your relationships are maintained.
Experienced Team – 25+ years of experience in invoice factoring.
Online Account Access – Manage invoices, payments, and reporting from anywhere.

Whether you’re a regional distributor or a national wholesaler or anything in between, Apex Capital gives you the working capital you need to meet demand and grow your business.

What Apex Clients Are Saying

“I’ve had the pleasure of working with Apex Capital since 2018, and I can confidently say it’s been an exceptional experience. Apex Capital has consistently met my expectations, providing top-notch service and support.”

Ibrahim Abaker

Source: Google

“[Our representative’s] professionalism, dedication, and attention to detail have made managing our account needs a stress free process. It’s evident that he genuinely cares about his clients and their success. Apex Capital Corp has earned my trust over the years, and it’s largely due to the incredible support we receive from [the team].

Alfred Perry

Source: Google

“Apex has demonstrated a remarkable dedication to delivering outstanding service and high-quality products, which has significantly contributed to the success of our operations.”

Adrianne Shaw

Source: Google

Frequently Asked Questions

Who is wholesale factoring best for?

Any B2B wholesale or distribution company that offers credit terms and waits to get paid can benefit—especially if you’re experiencing slow payments or seasonal cash flow gaps.

Will my customers know I'm using a factoring company?

Yes, factoring involves a notice of assignment. However, Apex handles collections professionally and respectfully to preserve your customer relationships.

Is this a loan?

No. Factoring is not a loan. You’re selling your receivables, so there’s no debt added to your balance sheet.

How fast can I get funded?

Once you’re set-up, most clients receive funding within 24 hours of invoice submission.

Are there volume requirements?

We work with businesses of all sizes.

Ready to Improve Your Cash Flow?

If slow-paying customers are holding your business back, Apex Capital can help. Our wholesale factoring solutions quickly put cash in your hands so you can take on more orders, stock up on inventory, and stay ahead of the competition.