The Supply Chain Squeeze

Suppliers Want Cash Now. Retailers Pay Later.

Distribution moves on velocity. But your suppliers want payment upfront or on strict terms, while your largest customers demand net-60 or net-90. That timing gap stalls inventory turns and forces you to slow purchasing.

The Squeeze

Suppliers tighten terms while your buyers dictate extended payment cycles.

Opportunity Cost

Miss supplier discounts like 2% Net 10 because cash is locked in receivables.

The Solution

Access cash from our partners within 24 hours of shipping to keep orders flowing.

Fuel Faster Inventory Turns with Invoice Factoring

Oakwell Commercial Partners connects you with factoring partners who convert approved distribution invoices into immediate working capital. You can replenish inventory, meet supplier terms, and keep product moving without taking on traditional term debt.

Supplier Discount Capture

Turn Early-Pay Discounts into Real Margin

A 2% Net 10 discount is real margin in low-margin distribution. When you get invoices funded quickly by our partners, you can pay suppliers early, negotiate stronger terms, and reinvest those savings into inventory velocity.

  • Capture early-pay discounts without draining operating cash
  • Strengthen supplier relationships with on-time or early payments
  • Turn predictable cash flow into higher inventory turns

Where the Savings Show Up

Distributors use factoring to unlock:

2% Net 10 and 1% Net 15 discounts
Priority allocations on hot inventory
Lower freight surcharges with faster settlement
Better supplier terms for seasonal buys
How Distribution Factoring Works

Three Steps to Faster Cash Flow

A distribution-specific process built around shipment, POD, and rapid funding.

1

Ship the Goods & Create the Invoice

You deliver the order and generate the invoice for your buyer.

2

Send the Invoice & POD

Submit the invoice with proof of delivery so funding can begin.

3

Receive Up to 90% Immediately

Our partners fund up to 90% of the invoice value so you can restock fast.

Freight & Logistics

Keep Freight Moving Without Waiting on Retail Payment Terms

If you operate trucks, 3PL, or manage outbound logistics, factoring helps cover fuel, labor, and carrier costs while retailers stretch terms. Get funded by our partners on POD-backed invoices and keep routes running.

  • Fuel and carrier coverage tied to shipped inventory
  • Support cross-dock and last-mile deliveries
  • Stabilize cash flow across weekly freight cycles

Best for Logistics Teams Managing

Multi-stop retail routes
Regional distribution hubs
Food, beverage, and cold chain
High-velocity consumer goods
Import/Export Funding

Bridge Longer Lead Times and Customs Delays

Cross-border distribution often carries extended lead times, longer receivable windows, and higher freight exposure. Factoring helps keep capital available while inventory clears customs and buyers follow longer payment schedules.

Longer Payment Cycles

Keep cash flowing when import/export customers pay on extended terms.

Duty & Freight Coverage

Fund duties, freight, and port-related charges without delaying replenishment.

Faster Turnaround

Maintain velocity even when international shipments stretch timelines.

Boost Purchasing Power
Trust & Benefits

Built for High-Volume, Low-Margin Distribution

We understand distribution economics. We coordinate partner underwriting to protect cash flow, validate buyers, and scale with your seasonal demand.

Boost Purchasing Power
  • Credit protection: our partners verify buyer credit so you do not ship to weak payers
  • Handles high-volume, low-margin accounts without slowing throughput
  • Scales with seasonal demand spikes and peak inventory cycles
  • Fast underwriting and partner funding tied to shipment verification
  • Transparent terms with responsive support from onboarding to funding