Invoice Factoring Wholesale

Small business owners can use loans to grow their business. You can use the funds however you wish.


Cover Expenses

Pay for any unexpected expenses that arise using our business loans.


Invest in your business

Use the business loan to grow your business however you wish.



Keep the cash on hand for future expenses.



Use the business loan to pay your employees.



Buy new equipment to grow your business.



Use the business loan to hire new employees.

We Fund Fast


Loans up to

$ 10 Million

Google Rating

5 Stars


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Delancey Street Can Help
with Small Business Loans

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless of your credit, or the riskiness of your industry.


We're frequently interviewed by major media organizations.

Easy Application

All it takes is one application, and we handle the rest for you.


Service is key. You can ask for advice on ANYTHING and we'll bend over to help.


Many of our team members are former business owners, and understand your challenges.


We customize each loan for you, and to your unique specs. Everything is customized.


We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


We fund business loans nationwide. It doesn't matter where you are, we can help you.


This is crucial, and critical. We are 100% honest with our clients, and never strive for less.

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of former business owners, and entrepreneurs. We understand your business has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Business Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification 3 months in business minimum. Credit isn't a huge issue.
Maximum Loan Amount $5 Million
Loan Terms 6-24 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get funding today

  • Apply today and we'll tell you what you qualify for
  • No obligation and no effect on your credit score
Get pre-qualified today

Invoice Factoring Wholesale

Wholesaler Invoice Factoring

In many cases, a customer will not pay for a good or service right away. Instead, they will have up to 90 days from the time that they receive a good or service to make a payment. This could result in a cash flow problem for a small business or a company of any size. Let’s take a look at how invoice factoring companies obtain the cash that they need in a timely manner.

What Is Invoice Factoring For Wholesalers? 
Invoice factoring for wholesalers takes accounts receivable and turns them into cash. The factoring company will purchase the account receivable and make an initial deposit into a company’s business bank account. When the customer is ready to pay, it will send money to the factoring company instead of to the vendor. The advance provider will then pass the rest of the money minus a service fee to the company that provided the actual good or service.

What Are the Benefits of Invoice Factoring For Wholesalers? 
Invoice factoring could be beneficial to a company because it allows it to gain access to capital without having to take on debt. Another benefit to invoice factoring is an ability to get cash within 24 hours of a factoring company buying an invoice. This eliminates the need to wait for 30, 60 or 90 days after a transaction is completed for payment. Finally, this can be an ideal way to access cash because the advance is based on a customer’s credit score. Therefore, companies may be able to participate in invoice factoring even if they have poor credit.

What Goes Into Creating a Wholesaler Factoring Advance Agreement? 
There are many variables that need to be considered before determining if factoring is in your company’s best interest. In many cases, you will need to commit to having a certain number of receivables purchased by the factoring company. There may also be a minimum amount of time during which a factoring company has the right to purchase invoices.
Invoice factoring contracts can be in effect for as little as three months or as long as three years. There may be even be monthly contracts available to help meet a company’s needs. The amount that your business will receive is between 70 and 90 percent of the invoice’s value. Therefore, a $10,000 invoice could be worth up to $9,000 after fees are deducted.

Can Invoices Be Sold Back to My Business? 
It is not uncommon for an advance to be given by a recourse factoring company. What this means is that the advance provider has the right to sell the invoice back to your business if the customer doesn’t make a payment in a timely manner. This typically means that payment wasn’t made 90 or more days after a product or service was delivered.
If a company labels its loans as non-recourse, it may not be able to sell the invoice back or take other steps to collect if your client doesn’t pay. However, it is important to know that many invoice factoring providers will say an advance is non-recourse but have several exceptions to that policy.

The Difference Between Wholesaler Invoice Factoring and a Bank Loan 
Companies do have the right to seek funding from a bank or other financial institution to meet their needs. However, it can be difficult for a small business to get the financing it seeks through traditional means. It can also take several weeks or months to get a loan from a bank or credit union.

If your business does get approved for a loan, it may not be for the amount needed to hire employees or otherwise grow the company. Furthermore, it may be necessary to provide collateral such as a personal home or a valuable business asset. If the loan isn’t repaid on time, you could risk losing that asset. With invoice factoring, the unpaid accounts receivable act as a form of collateral.

When your business needs cash quickly, it may be a good idea to talk to an invoice factoring company. Since it is not a loan, there is no need to worry about a credit check or accumulating debt that your company may not be ready to handle. Instead, you get the funding that your business needs in a matter of hours without a lot of stress or hassle

Do you need a small business loan?

Apply now