Asset finance for suitable vehicles, plant or equipment
Industries · UK limited companies
Wholesale and Distribution Finance
Wholesale and Distribution Finance is not one product. It is a way to match stock, supplier deposits, forklifts, warehouse equipment and B2B invoices to the most relevant commercial-finance route.
NBS Finance is a broker and introducer, not a lender. An enquiry does not guarantee an offer.
Quick answer
When this may be worth discussing
Business loans from £5,000 to £1 million for a defined commercial purpose, subject to assessment
Invoice finance where eligible completed B2B invoices are available
Provider assessment
Information that helps produce a useful answer
Providers set their own rates, charges, fees, security and terms. Clear evidence helps distinguish a viable route from an unsuitable application.
- Stock turn
- Margins
- Supplier terms
- Debtor ageing and seasonality
Important:
A sector page explains possible routes; it does not guarantee that every business or requirement can be funded.
Process
From requirement to decision
Tell us the amount, purpose and timing.
Share the documents relevant to this route.
NBS clarifies the requirement and possible route.
A suitable provider completes its own checks and sets any offer terms.
Decision check
Questions to answer before proceeding
| Question | Why it matters |
|---|---|
| What exact outcome must the finance achieve? | It keeps the proposal tied to a commercial purpose. |
| What is the full cost and repayment profile? | Compare fees, security, frequency, total repayable amount and exit terms. |
| What happens if income arrives later than expected? | A downside view tests whether repayments remain manageable. |
| Which documents or conditions remain outstanding? | Approval, completion and payment are separate stages. |
Common questions
Wholesale and Distribution Finance FAQs
Is this automatically available?
No. Availability depends on the business, purpose, evidence and provider appetite.
Does NBS Finance set the rate or terms?
No. Finance providers determine their own rates, charges, fees, security and terms.
Does NBS charge a separate broker fee?
No. NBS Finance does not charge the client a separate broker fee.
Can an enquiry affect credit?
A provider may carry out business or director checks. Ask which searches will be made before a full application.
What should I do next?
Submit the information you have. Isaac or Damian can clarify what is still needed before a suitable provider introduction.
Further reading and scope
This page is general commercial-finance information, not legal, tax or accounting advice. Read the relevant official guidance at www.british-business-bank.co.uk.
NBS Finance primarily supports UK limited companies. NBS Finance is not incorporated as a limited company and is not authorised or regulated by the Financial Conduct Authority. Where applicable, NBS works with lenders and intermediaries that are FCA-authorised for their own regulated activities; their status does not make NBS Finance FCA-authorised.
Tell us the outcome your business needs
Start with the amount, purpose and timing. Best estimates are fine.
Start your funding enquiry