Distributors often find themselves in a tough situation. You may be waiting for payment from a customer while being asked to quickly pay a supplier. Having cash available in these situations allows distribution companies like you to successfully meet client and supplier expectations, stay competitive and get new business rather than turning it away.

Live Oak Bank offers financial solutions for small to mid-sized distribution companies nationwide who need working capital to successfully operate during unpredictable times or rapid growth. Pay your employees, address seasonal variations and take on new business with asset-based lending solutions from Live Oak Bank.

Distributors can benefit from a line of credit to pay expenses, buy inventory, and ultimately, have better cash flow each month. A line of credit allows your distribution business to have flexible access to money when needed rather than selling accounts receivable like with a factoring arrangement.

It’s not easy to manage cash flow when you’re waiting on repayment of invoices from your clients. You still have to pay your employees, suppliers and manufacturers. By factoring your invoices, you can get the money you need right away. Live Oak Bank offers accounts receivable factoring, whether recourse or non-recourse, that enables your distribution company to achieve better priced financing than typically offered by traditional factors.

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Lending Solutions

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Article: Line of Credit vs Factoring

Wondering which of these two asset-based lending approaches best fit your business needs?

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Why Live Oak

Know-How

We’ll take you where you need to go with our deep industry and product expertise. Our team understands the ins and outs of different business models, and we package your loan accordingly. Every industry has its own nuances and our lenders get that. When it comes to matching your businesses with the best loan, you can trust that it will be the ideal fit.

Efficiency

Our commitment to efficiency and transparency helps you avoid costly mistakes. We work hard to streamline the entire loan process, from the initial conversation to the day you get your money. Throughout your Live Oak experience, we’ll keep you updated and informed. By taking advantage of next-generation technology, your loan will move through each stage seamlessly. Our experienced team knows that your time is valuable, and we won’t waste any of it.

Service

We strive to provide unmatched service and an unwavering dedication to your success. Our customers are at the heart of everything we do at Live Oak. We like to say that we treat every customer like our only customer, and we honestly mean that. Your hopes, your dreams and your goals hold a lot of weight – it is what we work together to achieve. Going above and beyond for you is simply how we operate. We can only say that we’re successful when you are too, so we’ll do everything in our power to make that happen.

Our Asset-Based Lending Team
understands your business.

From our Small Business Resource Center

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