Specialty Niche / Specialty Food Distributors
Perishable inventory. Non-perishable obligations.
Capital for specialty and ethnic food distributors managing tight turns and supplier deposits.
The cash flow problem we solve
- Suppliers abroad want wires before shipment
- Cold chain costs are relentless
- Restaurant customers stretch every term
How Mile Hi handles it
- Import-cycle-aware structures
- Sized to deposit velocity
- Repeatable per container cycle
Common uses of funds
Straight answers
Does checking my options affect my credit?
No. Pre-qualification uses the information you provide. The credit application itself is a single-page soft-pull authorization, which does not impact your score the way a hard inquiry does.
How fast can funds arrive?
Qualified files with 90 days of bank statements can receive a decision in as little as 4 to 8 business hours, and funding is possible as fast as the same day.
Is collateral required?
Most working capital programs are unsecured and underwritten on business bank activity, not hard collateral.
What do you look at?
Time in business, monthly deposit volume, average balances, and existing obligations. Strong bank statements matter more than perfect credit.
See What You Qualify For
60 seconds. No hard credit pull. Answers in as little as 4 to 8 business hours.