Wholesale finance Ireland for distributors

Most use a combination. Invoice finance releases cash from customer invoices, stock finance funds goods in the warehouse, and trade finance pays suppliers, including overseas ones, before goods arrive. The right mix depends on your terms on both sides and how fast stock turns. Stock and trade finance are among the products our lender panel covers.

Purchase order finance pays your supplier directly so you can fulfil a confirmed order from a creditworthy customer that is too large for your own cash. When the goods are delivered and invoiced, the funder is repaid, often through invoice finance. Funders look at the customer, the supplier's track record and your margin on the deal. Supplier-payment finance from our panel may also suit some purchases.

Usually not, if your company uses postponed accounting. VAT-registered businesses can account for import VAT on their VAT return instead of paying it when goods are imported, which helps cash flow. Customs duty is still payable on non-EU goods, although a duty deferment arrangement can delay payment. Check eligibility and conditions with Revenue or your customs agent before you plan your funding.

Yes. Trade finance can pay overseas suppliers directly, often in their currency, with your company repaying over an agreed period after the goods arrive. Lenders look at your history with the supplier, your margins and how quickly the goods sell. Currency movements can change your real cost, so ask how foreign exchange is handled. Trade finance is one of the products our lender panel covers, subject to each lender's criteria.

It can be. Lenders and invoice funders worry about concentration: if one customer makes up a large share of your debtors, a dispute or late payment could hit your cash flow hard. Funders may cap how much they advance against a single customer. A wider customer base and clear written contracts both strengthen your position.

Only if the discount is bigger than the cost of finance. Illustrative example: a 3% early-payment discount on a €100,000 order saves €3,000, so finance costing more than that over the same period wipes out the benefit. Check you can sell the extra stock without heavy markdowns. Short-term loans, stock finance and trade finance are among the products our lender panel covers.

Usually, through leasing or hire purchase from asset finance providers. Forklifts have an active resale market and are widely financed; racking and installed handling systems can be harder, because they are worth less once removed. Ask about maintenance and end-of-term options. Tell us what your company needs and we'll tell you honestly whether our panel can help, or where to apply instead.