Business SquaredBUSINESS SQUARED

Sectors / Wholesale & Distribution

Finance that frees the cash trapped in your stock.

In wholesale and distribution, your money lives in inventory and supplier terms. Get stock levels, payment terms and working capital right and growth stops feeling like a cash squeeze.

Book a deep dive

The problem

Turnover growing, but the bank never seems to catch up?

Moving from direct supplier relationships to complex supply chains with multiple depots ties more and more cash up in stock. Supplier payment terms, warehousing costs and import VAT all pull at working capital. Grow too fast without control and the profit is real but the cash is nowhere to be seen.

Darren Jasper presenting to business owners

What I do for distribution firms

Working capital treated as strategy, not admin.

Stock and working capital

Model different stocking scenarios and get holding levels right, so cash is not needlessly locked up in inventory.

Supplier terms and cash cycle

Improve the cash cycle by getting supplier payment terms and stock turn working in your favour, not against you.

Import VAT and trade finance

Correct VAT treatment on international imports and clean financials to support trade finance facilities as you scale.

Capital allowances and group purchasing

Claim allowances on warehouse equipment and vehicles, and structure group purchasing arrangements efficiently for tax.

The difference

A working-capital game played to win.

Distribution is a working-capital game, and reading working capital is a core strength. As a Chartered Accountant and Chartered Tax Adviser I connect the stock and cash numbers to your tax position and your personal wealth. I sit between your bookkeeper and accountant, doing the proactive work that keeps cash and profit moving together.

How this plays out

A typical first 90 days with a distribution client.

  1. 01

    Deep dive

    Model stock holding, supplier terms and the full cash cycle. Review import VAT treatment and the financing behind your warehousing and vehicles.

  2. 02

    Quick wins

    Renegotiate the weakest supplier terms, right-size stock across depots, and land the capital allowances on warehouse fit-out and equipment.

  3. 03

    Ongoing rhythm

    Rolling cashflow forecasts, tighter working-capital reporting and trade-finance-ready financials, so growth stops feeling like a cash squeeze.

Client outcomes

Real transformations, not just case studies.

Moved from Sage to Xero and supported with Fractional CFO work through a management buy-out: significant change in both systems and ownership.

Solum SW Ltd

From employee, through redundancy, to running a £1.5m business. Forecasting, tax planning, monthly meetings and personal tax in one holistic relationship.

Ability Care Solutions Ltd

After 43 years with a compliance-only accountant: succession planning, restructuring, refinancing and bringing the next generation into the business.

Combers Limited

FAQs

Common questions from wholesale and distribution firms.

Want to free up the cash tied up in your stock?

No jargon, no pressure. Just a clear look at your numbers and what to do next. Let's start with a deep dive.

Worth a conversation?