verqo
Wholesale at the speed of business
Wholesale banking for buyers & sellers
The modernoperating systemfor wholesale.
verqo.com
Seed round · 2026
01 / 22
Confidential
verqo
Why us
We didn't study this.
We lived it.
0+
years in wholesale distribution
$0M
annual revenue we run today
0K
SKUs managed
0+
supplier relationships
Every delayed payment. Every painful reconciliation.
We felt it first — then we built the fix.
We felt it first — then we built the fix.
02 / 22
Confidential
verqo
Fragmented by default
Six systems to sell one product.
Catalog
Payments
Shipping
One seller
switching tabs all day
Insurance
Financing
Accounting
None of them talk to each other.
03 / 22
Confidential
verqo
The tooling tax
Today: juggling the stack.
Faire15–25% commission
Freight forwardercall to schedule every shipment
Manual wire / ACHkeyed in by hand, days to clear
QuickBooks$90/mo · manual reconciling
Insurance brokershop for coverage, quote by quote
Banksloans that take months
30 hrs/week
tab-switching and reconciling
$10,000+/mo
in tools, fees and commissions
62-day DSO
cash stuck after shipping
04 / 22
Confidential
verqo
Working capital
The product shipped.
The money is stuck.
Days waiting for payment
0days
Invoice #INV-9087 · $127,400
Follow-ups sent
Hey, just following up…
Checking in on that invoice
Second reminder
Third reminder
Calling instead…
Cash flow
Crushed.
Sellers wait weeks. Sometimes months.
05 / 22
Confidential
verqo
Underwriting blind spot
You're making a million-dollar call on a hunch.
New buyer
Northline Retail Co.
Wants Net-60 · $240,000
?
No history. No data. Ship anyway?
What no report showed you
Defaulted last week · Supplier A
Defaulted · Supplier B
45 days late · Supplier C
You find out after you ship.
→
So you go hunting
Dun & Bradstreetpull a report · $$ · days old
Experianthin file on most SMB buyers
Trade referencesemail 3 suppliers · wait a week
Gut call on termsNet-30? Net-60? Guess.
Days of work — and still no idea if they defaulted last week.
06 / 22
Confidential
verqo
The turning point
Today we announce
There is finally a solution.
verqo
Paid instantly
no chasing
Live trade score
every buyer, scored
One platform
orders to freight
07 / 22
Confidential
verqo
The platform
This is one screen.
Seller portalBuyer portal
app.verqo.com/seller
Paid on day 1
$127,400
Trade score
94
Settlement
instant
3-minute setup
08 / 22
Confidential
verqo
Instant actions
Everything is one click.
No calls. No paperwork. No chasing.
09 / 22
Confidential
verqo
The flow
Four steps. One system.
1
Buy
Buyers discover suppliers and order on terms.
2
Sell
Sellers approve the PO in one tap.
3
Get paid
Cash hits the wallet the same day.
4
Ship
Parcel, pallet or truckload — same screen.
You sell. You get paid. Done.
10 / 22
Confidential
verqo
Banking at the core
Every dollar lands already matched.
Everyone else · bank sits outside
Order
Shipment
Insurance
Financing
Buyer payment
?
Bank statement
Matched by hand · spreadsheets · weeks late
verqo · bank is the core
Order
Shipment
Insurance
Financing
Buyer payment
→
verqo ledger
Auto-reconciled to the order the moment money moves
11 / 22
Confidential
verqo
Who we serve
Built for the $1M–$200M seller.
$0$1M$200M$1B+
Beauty & personal care
Food & beverage
Household & cleaning
Apparel & accessories
Pet supplies
Supplements & wellness
Toys & baby
Electronics accessories
Mid-market CPG brands: too big for spreadsheets, too small for SAP.
12 / 22
Confidential
verqo
Why now
Wholesale is having its
Shopify moment.
Instant money
RTP + FedNow made same-day settlement normal.
AI underwriting
Credit decisions in 60 seconds, not 6 weeks.
Embedded rails
Banking, insurance and freight are now APIs.
13 / 22
Confidential
verqo
The opportunity
A $32 trillion market still on paper.
$0T
US + global B2B wholesale trade
$0.0T
trapped in unpaid receivables
0 days
average days sellers wait to get paid
Digitized today
0%
93% of wholesale still runs on email, PDFs and phone calls
14 / 22
Confidential
verqo
Proof
We are customer #1.
brnddirect.com
Wholesale distribution · live on verqo
$0M
annual revenue
0K
SKUs
Day 1
payouts
Pipeline ready to sign
0+ sellers waiting
15 / 22
Confidential
verqo
Revenue engine
One transaction. Eight ways we earn.
Subscription
$99 → $1,999/mo
Financing
credit markup
Factoring
origination fee
Payments
rail spread
Cards
interchange
Insurance
commission
Shipping
carrier margin
Float
idle balances
We only grow when they grow
buyer volumeverqo revenue
Priced per buyer
+
Sellers pay for every buyer they transact with — more buyers, more seats, more volume.
16 / 22
Confidential
verqo
Differentiation
Everyone owns a slice. We own the flow.
Moves the money
Runs the whole wholesale workflow
Shopifyverqo
17 / 22
Confidential
verqo
What's next
Where we go from here.
01
Global instant rails
Any buyer, any country — paid in one click, fully secured.
02
Open marketplace
Find suppliers in any category. Both sides see their trust score.
03
Enterprise portals
Retailers and manufacturers move their whole buyer base onto verqo.
One network. Every buyer and seller on earth.
18 / 22
Confidential
verqo
The vision
Every category has an owner.
Wholesale has none.
Ramp
corporate cards
Stripe
online checkout
Shopify
ecommerce
verqo
Wholesale
$32T · unowned
We intend to be the #1 wholesale operating system on the planet.
19 / 22
Confidential
verqo
Use of proceeds
Where the money goes.
$0M
Seed
$3M
Bank reserve
collateral that unlocks Day-1 payouts at scale
$2M
Operations, sales & marketing
team, GTM and wholesale corridor expansion
20 / 22
Confidential
verqo
The mission
Wholesale should feellike ecommerce.
Make B2B commerce as simple, connected and instant as buying online — less friction, fewer people, faster money.
Instant
money moves the moment the deal does
Trusted
every counterparty scored and covered
Effortless
three minutes from signup to paid
21 / 22
Confidential
verqo
Thank you
Wholesale, finally moving atthe speed of business.
Thank you.
verqo.com
Raising $5M seed
22 / 22
Confidential
01 / 22