For brands, wholesalers & distributors · $1M–$100M

Wholesale,
with eyes on every buyer.

Run your entire wholesale business from one portal: Day 1 payouts, Insurance-backed cover, real-time buyer monitoring, and end-to-end automation.

Get paid today See how it works

Same-day cash on every invoice

Zero default risk — Allianz insured

The differentiator

Live

Buyer

Seller

Lender

Carrier

Insurer

Bank

Order. Pay. Ship. Track. Reconcile. One ledger.

Buyer · seller · lender · insurer · bank · carrier — every player, every step, in real time.

Built for these categories

Beauty

Fashion & Apparel

Food & Beverage

Pet

Health & Wellness

Household CPG

The problem

Wholesale is broken on both sides of every transaction.

Sellers are starved of cash. Buyers are starved of credit. And the seven vendors between them don't talk to each other. Here's exactly what's breaking — and how verqo fixes it.

What sellers struggle with

60-90 days waiting on your money

Cash is frozen. Inventory turn collapses. Working capital becomes the ceiling on growth.

No buyer visibility

You can't see if your buyer just defaulted on three other suppliers last week.

Manual credit decisions

Every new buyer = paper trade references, spreadsheet underwriting, multi-week delays.

Chasing payments

Dunning emails, write-offs, collections — work that pays nothing.

Five systems to ship one order

Order in Shopify · invoice in QuickBooks · payment in Stripe · carrier in UPS · insurance somewhere else.

verqo fixes it. Day-0 settlement · AI credit decisions in seconds · auto-debit · insurance takeover · every system in one ledger.

What buyers struggle with

Re-applying at every supplier

Net-30 with one supplier means nothing to the next. Same paperwork, every single time.

2-6 week onboarding

Paper trade references, fax-back forms, credit-officer review. Wholesale runs at the speed of fax.

Late fees + credit holds

One missed invoice = order shipments paused. Your operations stop because finance is fragmented.

No portable trust

Your perfect payment history at Supplier A doesn't unlock terms at Supplier B.

Cash-flow ceiling on growth

You can't buy more inventory because you don't have credit — even though you've earned it.

verqo fixes it. One credit line · portable across every supplier on verqo · approved in seconds · AI recalibrates as you grow.

And the problem nobody talks about

Seven disconnected vendors. Zero source of truth.

The average wholesaler stitches together QuickBooks · Shopify · Stripe · a BNPL · a freight carrier · an insurance broker · a sponsor bank. None of them agree on the same row of data. Reconciliation eats hours every week. Disputes take days. Examiners cost months.

verqo replaces all seven — one ledger, one API, every party on the same row.

Your buyers love it too

Your buyers won't just adopt it. They'll prefer it.

Buyers get one credit line that works at every supplier on verqo — approved in seconds, no spreadsheets, no re-applying, no paper trade references. Which means they buy from you more often, with bigger baskets.

How it works · live in the portal

From PO to paid. In four clicks.

Your wholesale flow, unchanged — except the cash hits your wallet on day 0, not day 60. Click any step or let it auto-play.

seller.verqo.com / orders

Live

Orders

New PO appears in real time · 654 awaiting confirmation.

T+0 sec

Only on verqo · for sellers

Beyond same-day cash:
eight things no bank or BNPL gives you.

The 60-day pain is the hook. But verqo is the wholesale operating system — order, payment, shipping, and reconciliation, all on one ledger.

Same-day cash on every invoice

The moment your buyer's PO is approved, we wire the invoice amount straight to your wallet. Net-30/60/90 disappears.

Zero default risk — Allianz baked in

Every funded invoice is insured by Allianz Trade. The cover lives inside the platform — no separate policy to manage.

Never chase a payment again

If a buyer goes 60 days past due, Allianz takes over. You keep the cash. No collections team. No write-offs.

D+1 wallet → bank

Your wallet sweeps to your bank automatically on the schedule you set. Or hit withdraw anytime.

Buyer 360° drawer

Score · Allianz cover · payment history · open orders · open invoices — every buyer, one panel.

PO inbox parser

Drop a PDF, forward an email, paste a CSV, or hit the API. We extract every line, match SKUs, draft the order.

Dropship Automation

One toggle connects a buyer's Shopify store. Orders auto-fulfill daily, tracking auto-pushes, invoices auto-issue.

Your portal, your brand

Custom domain (shop.yourbrand.com), your logo, your colors. Buyers feel like they're in your store — not ours.

Pricing

One platform. Three simple plans.

Built for wholesale brands moving real volume — beauty, food, coffee, pet, wellness. Easy entrance. Pay only for the apps and services you use. Buyers are free, forever.

Starter

For founder-led brands just starting wholesale

$99/ month

Billed monthly · cancel anytime

Start 14-day trial

Everything unlocked

Custom domain on day 1
White-label buyer experience
Unlimited orders · unlimited buyers
1 team seat
Payments · Credit · Shipping · Insurance — full access
App Store access
Webhooks + REST API · 60 req/min
6-month data retention
Self-serve onboarding
14-day money-back guarantee

Transaction pricing

No per-invoice commissions like the marketplaces. Pay only for the rails you use — and lower as you grow.

Service

Starter

Pro

Scale

Notes

Wholesale invoicing

FREE

No commission per invoice

Push-to-card

FREE

Receive payouts on debit card

ACH transfer

$15/tx

$3.50/tx

$0.50/tx

Flat fee per transaction

Wire transfer

$15/tx

$3.50/tx

Flat fee per transaction

Credit card

Card-acceptance fee

Instant Payout (optional)

2.0%

1.5%

1.0%

Get paid today vs Net-30/60/90

Shipping, trade-credit insurance and financing (Net-30 / 60 / 90) pricing is built into how we deliver each service — no surprise line items.
Lower transaction fees alone often pay for your Pro or Scale upgrade many times over.

The honest comparison

verqo vs everything you've tried.

The other three options have been around for decades. Here's why none of them actually solve the working-capital problem in wholesale.

Criteria

verqo

Recommended

Traditional
factoring

Net-60
terms

DIY
collections

Time to cash

Same-day · day-0 ACH

3–7 days · paperwork-heavy

60+ days

Whenever the buyer pays

Buyer relationship

Untouched · invisible to buyer

Disrupted · factor calls your buyer

Friendly but slow

Strained when chasing

Onboarding speed

Under 2 hours · self-serve

2–6 weeks

Per-buyer paper apps

Instant — but you're the bank

Pricing transparency

Flat % per funded invoice

Tiered fees · reserves · hidden costs

$0 fee · 100% risk

Default protection

Insurance baked in (Allianz)

Recourse — you eat the loss

None

Reusable credit

Buyers carry one line across every seller

Per-invoice only

Per-supplier

Compliance & audit

KYB · OFAC · AML · audit chain built-in

Manual

None

Honest comparison · sourced from public pricing pages and standard industry data. No vendor bashing.

What's next on verqo

Shipping next, for sellers.

The capabilities we're rolling out over the coming quarters. Buyer-side list is on the buyers page.

For sellers

01
Cross-border with trust
Multi-currency, FX-locked, insurance that travels across borders.
02
Inventory & Warehousing
Stock levels, reorder alerts, multi-warehouse — built into the ledger.
03
Advanced Reports & Analytics
Margin, velocity, COGS, buyer-cohort dashboards.
04
Developer API & sandbox
API keys, idempotency, sandbox mode, OpenAPI docs.
05
Discover buyers on the network
Browse and connect with already-credentialed wholesale buyers.
06
Multi-tenant marketplace publishing
Run multiple brands or storefronts under one verqo org — for marketplaces and multi-tenant operators.
07
EDI compliance · chain-retailer ready
Native EDI 850/810/856/940 with the major chains — no third-party translator.
08
ERP sync · NetSuite, SAP, QBE
Auto-reconcile invoices, payments and AR into your accounting system of record.

The wholesale operating system

Six players. One ledger.
Wholesale, instant.

500+ wholesale buyers are already on verqo. Your suppliers can be the next to inherit that demand.

Get paid today See pricing

Bank-grade compliance · examiner-ready out of the box

SOC 2 Type II

audited & certified

256-bit TLS

in-transit & at-rest

OFAC / AML

screened on every party

Reg B / ECOA

adverse-action compliant

ESIGN Act

e-signature lawful

FDIC sponsor

via partner bank

Wholesale,with eyes on every buyer.

Wholesale is broken on both sides of every transaction.

From PO to paid. In four clicks.

Beyond same-day cash: eight things no bank or BNPL gives you.

Same-day cash on every invoice

Zero default risk — Allianz baked in

Never chase a payment again

D+1 wallet → bank

Buyer 360° drawer

PO inbox parser

Dropship Automation

Your portal, your brand

One platform. Three simple plans.

Transaction pricing

verqo vs everything you've tried.

Shipping next, for sellers.

Six players. One ledger.Wholesale, instant.

Wholesale,
with eyes on every buyer.

Beyond same-day cash:
eight things no bank or BNPL gives you.

Six players. One ledger.
Wholesale, instant.