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How a Wholesaler Finalised a $1.2M Business Loan in 7 Days - Bulk Buy Locked, Margins Up

When bank timelines slipped, fast business funding delivered in 7 days—inventory secured at scale, working capital protected, margin improved.

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  • Industry: Property development (SPV with director guarantee)

  • Loan type: Private lender first mortgage with cash‑out buffer for adjustments and stamp duty

  • LVR: 65% against independent valuation on the target site

  • Turnaround: Term sheet in 36 hours, unconditional in day 9, settled day 11

  • Location: Greater Melbourne growth corridor

  • Result: Acquisition completed on time, vendors retained, and works program commenced without delay

  • A time‑bound supplier discount required payment within a week, while bank processing delays threatened to miss the window and erode margins.

  • Order pipeline was healthy, but cash‑flow gaps from staggered receivables and rising freight costs made a large, one‑off inventory payment difficult.

  • The business needed fast, statements‑based underwriting and a repayment schedule aligned to receivables to protect working capital.

  • Industry: Wholesale and distribution

  • Facility: Business loan with weekly repayments, early‑payout flexibility

  • Amount: $1.2M funded for bulk inventory and supplier catch‑up

  • Turnaround: Indicative terms in 24–48 hours, funding on Day 7

  • Location: Australia (national supplier network)

  • Result: Bulk order discount secured, inventory position strengthened, and gross margins improved

Scenario

  • A time‑bound supplier discount required payment within a week, while bank processing delays threatened to miss the window and erode margins.

  • Order pipeline was healthy, but cash‑flow gaps from staggered receivables and rising freight costs made a large, one‑off inventory payment difficult.

  • The business needed fast, statements‑based underwriting and a repayment schedule aligned to receivables to protect working capital.

Why and how they came to us

  • Why: Speed and certainty mattered more than marginal rate; a transparent, cash‑flow–assessed facility could fund the bulk buy on time and lift margins.

  • How: A peer referral and a search for fast business funding led to the case‑study page; after a brief discovery call, a lean checklist was issued and valuation/legal prep ran in parallel.

  • Decision: Clear inflow patterns, manageable obligations, and a realistic repayment plan enabled approval and funding within 7 days.

 
 
 
 

How it happened?

 
How it happened

  • Day 0: Five‑minute discovery call clarifying purpose (bulk inventory discount, supplier catch‑up) and runway; lean checklist issued: ID/KYC, ABN/ASIC, last 6 months business bank statements, ATO position, aged receivables/payables, top customers.

  • Day 1: Cash‑flow review completed; indicative terms shared with weekly repayment schedule aligned to receivables; borrower accepted the same day.

  • Days 2–3: Bank feeds verified, statement parsing completed (seasonality, inflow stability, concentration risk); legal prepared facility docs in parallel.

  • Day 4–5: Final approval issued with total cost of funds and disbursement plan mapped to supplier timelines; borrower executed documents.

  • Day 7: Funds disbursed per the settlement statement; bulk order paid within the discount window; inventory position and gross margin improved.

This compressed sequence worked because cash‑flow was strong, obligations manageable, and repayments were mapped to receivables—allowing underwriting and legal to run in parallel for a clean 7‑day completion.

 
 
 
 
 
Related
What steps led the borrower to choose our 5-day closing option
 
Which documents caused the biggest delay before we received a complete file
 
How did the borrower find and contact our wholesale loan product
 
What underwriting checks sped up approval compared to standard loans
 
How did the borrower’s business metrics justify the rapid disbursement


 

How It happened?

  1. Here’s a tight “How it happened” section tailored to the wholesaler business‑loan story, matching the 7‑day funding timeline and statements‑based assessment.library

    How it happened

    • Day 0: Five‑minute discovery call clarifying purpose (bulk inventory discount, supplier catch‑up) and runway; lean checklist issued: ID/KYC, ABN/ASIC, last 6 months business bank statements, ATO position, aged receivables/payables, top customers.library

    • Day 1: Cash‑flow review completed; indicative terms shared with weekly repayment schedule aligned to receivables; borrower accepted the same day.library

    • Days 2–3: Bank feeds verified, statement parsing completed (seasonality, inflow stability, concentration risk); legal prepared facility docs in parallel.library

    • Day 4–5: Final approval issued with total cost of funds and disbursement plan mapped to supplier timelines; borrower executed documents. library

    • Day 7: Funds disbursed per the settlement statement; bulk order paid within the discount window; inventory position and gross margin improved.library

    This compressed sequence worked because cash flow was strong, obligations were manageable, and repayments were mapped to receivables—allowing underwriting and legal to run in parallel for a clean 7‑day completion. library.

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Popular Questions

No-doc loans can be approved within 24-48 hours with complete documentation, making them ideal for time-sensitive opportunities.

Absolutely not. No-doc loans require zero income verification, that’s what makes them perfect for privacy-focused borrowers.

Typically 20-40% deposit is required, though this varies by lender and your overall financial profile.

Yes, no-doc loans are particularly popular with property investors who need quick settlement capability.

They may carry premium rates compared to traditional loans due to the streamlined assessment process. However, Diamond Lending negotiates competitive terms with our exclusive lender network.

Have more questions?

We’ll guide you with honest advice and no-doc loan options that fit your privacy needs and investment timeline.

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