Essential Role: Wholesalers are indispensable in supply chains.
Volume Business: High-quantity orders mean bigger deals.
Global Reach: With international trade, the sky's the limit.
Digital is affecting even traditional wholesale models.
Eco-friendly practices are becoming more vital.
Eligibility: Yes
Why it’s a fit: High inventory levels.
Wholesale businesses typically have substantial inventory, making asset-based lending an excellent fit for generating quick working capital.
Eligibility: Yes
Why it’s a fit: Warehouse and logistics equipment.
For the purchase or upgrade of warehouse management systems, forklifts, and other equipment, this type of financing is ideal.
Eligibility: Yes
Why it’s a fit: Frequent high-value invoices.
This is particularly useful when dealing with retailers who often take time to pay for large orders, ensuring smooth cash flow.
Eligibility: Yes
Why it’s a fit: Ongoing operational costs.
Given the cyclical nature of the wholesale business, a line of credit provides the flexibility to cover varied costs.
Eligibility: Yes
Why it’s a fit: To fulfill large orders.
This is useful when you need to acquire additional inventory to meet an increase in demand or a large one-time order.
Eligibility: Yes
Why it’s a fit: For warehouse or distribution center expansion.
If you’re looking to expand your physical footprint, real estate financing can help secure the perfect location.
Eligibility: Limited
Why it’s a fit: For high-revenue businesses seeking to scale.
This option is more viable for wholesalers with high-margin goods and consistent revenue.
Eligibility: Yes
Why it’s a fit: Particularly useful for smaller wholesalers.
SBA loans can provide smaller wholesale businesses with the means to compete effectively.
Eligibility: Yes
Why it’s a fit: For significant business initiatives.
Ideal for long-term projects or significant capital investments like a new warehouse facility.
Eligibility: Limited
Why it’s a fit: For fast-scaling, high-margin operations.
For wholesalers dealing in specialty or high-demand products, venture debt might be a useful tool.
Eligibility: Limited
Why it’s a fit: For government contractors.
This is a handy solution if you supply goods to government bodies and need to finance receivables.
Eligibility: Limited
Why it’s a fit: For sustainable or innovative practices.
If you're introducing eco-friendly practices or unique technologies, grants might be available.
Eligibility: Yes
Why it’s a fit: A general loan for various needs.
Traditional lender financing offers a lot of flexibility and can serve various needs based on your business profile.
Eligibility: Yes
Why it’s a fit: Immediate cash for short-term needs.
For short-term needs like bridging cash flow gaps, business cash advances are quick but usually come with high fees.
FAQ
While Cirrus facilitates a broad diversity of financing products to most industries and business stages, we're not a great fit for every company. We're focused on US-based businesses who wish to raise greater than $1M in non-dilutive capital.
We find the most success working with companies with greater than $3M in annual revenue and/or $3M in assets such as accounts receivable, inventory or equipment. We frequently work with loss-making (cash burning) companies, but they should have 4-6+ months of cash runway and line of sight into future profitability.
If we're successful in matching your company with the right investor(s) and you decide to move forward towards a consummated transaction, Cirrus earns a small percentage of capital committed to your company, generally between 1-3%. We charge our fee after a successful fundraise takes place and funds are transferred to your business account.
Additionally, as needed, our team can help you ensure your company is in the best position possible to successfully raise capital. Our talented team can advise on and directly create materials such as financial models and presentation decks. We can also be instrumental in financial reconciliation and other FP&A functions so that your business is well organized as you approach investor conversations. These services are offered on an optional, as-needed basis at an agreed upon rate, no surprises!
We take the security and privacy of your sensitive business information very seriously at Cirrus. During every step of our process, we're reliant on technology and third-party solutions that must adhere to strict security standards such as ISO 27001 compliance, SOC 2 compliance and AES 256-bit encryption.
You can review our privacy policy and terms & conditions at any time and reach out to hello@cirruscap.com with any questions.