Business loans for wholesalers and distributors

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. A balance sheet where the value sits in stock and debtors rather than bricks is one a generalist credit desk often marks down, so our job is to know the bank and non-bank lenders that fund inventory-led businesses on their stock turn and order book. We work across a panel of more than sixty of them and stay with you as you add lines, win larger contracts and buy the next business. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on trading strength and can be arranged in days, which suits a limit of $100K to $500K for stock and working capital. Secured facilities, backed by property or plant, support larger amounts and price better, and make sense once you are funding a warehouse purchase or an acquisition. Most established wholesalers end up with a mix, and we shape which sits where.

It depends on your trading, your stock turn and the purpose, but lending here commonly runs from $100K to well into seven figures, and our range extends to $100M for larger operators. Because the value in a wholesale business sits in inventory and debtors, lenders read your stock cycle and receivables ledger rather than the balance sheet alone. The binding constraint is usually serviceability rather than security, and we shape the funding early so you know your number before you commit.

Yes, and the equipment is normally the security rather than your property. Warehouse racking, shelving, mezzanine and forklifts can all be funded new or used, and a full warehouse fit-out can go on one facility. Terms are typically matched to the life of the asset, and established businesses can often be assessed on bank statements and BAS rather than full financials. Keeping this off the overdraft leaves your working capital free for stock, and dealer and manufacturer programs are available too, which we compare against a bank facility.

Yes. Trade and stock finance pays your supplier for the inventory, then clears as the goods convert to sales, so a container buy-up or a bulk order taken to earn a supplier discount does not have to come out of your own cash. For importers the facility can extend across the shipping and clearance window, covering goods paid for at the factory but not yet landed. We size it to your stock turn and order book, and place it with lenders that fund inventory and import cycles.

An unsecured facility can often be approved within 48 hours and funded inside a week where the business is established and the BAS and bank statements are current. Secured facilities take longer, typically two to four weeks, because a valuation is involved. The practical advice is to open the limit before you place the big seasonal order, ideally when you are planning the buy rather than when the invoice is already due. Timeframes are indicative and subject to lender appetite and approval.

Yes. Many lenders assess established businesses on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits wholesalers whose accounts lag the current run rate. It works best where the trading account shows regular receipts and the ATO position is current. Stock-heavy balance sheets are read fairly by the lenders that know the sector, and if you have a payment plan in place, say so early, because several will still proceed when it is disclosed and being met.

Yes, and it is a commercial property deal rather than a working capital one. Owning the shed takes a rising rent out of your cost base and builds an asset alongside the trading business, and owner-occupiers can generally borrow a higher proportion than a passive investor would. The trading performance and the property are assessed together, so getting the accounts presented properly is most of the work. Our commercial property team handles these end to end through our warehouse commercial mortgage service.

Yes. We refinance overdrafts, term loans and stock facilities onto a structure built around your buying cycle and debtor days, which often frees up headroom that a generalist facility left on the table. Where an ATO, BAS or PAYG obligation needs bridging, several lenders will fund it as long as trading supports the repayments and any payment plan is disclosed and being met. Bring us the current position early and we will shape the timing around your stock cycle, subject to serviceability and lender approval.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan for your distribution warehouse, we also assist with racking and warehouse equipment finance and working capital. On asset finance, that covers forklifts, warehouse racking, shelving and materials handling gear. On working capital, we arrange business overdrafts, lines of credit, trade and stock finance and debtor finance. We also arrange commercial mortgages if you are buying or refinancing the warehouse you trade from.