Business Solutions for Wholesale Distributors

Move your business forward with solutions and insights tailored to your needs

Financial advice from industry experts

We understand the challenges of running a successful wholesale distribution business. Whether it's managing seasonal working capital needs, hiring and retaining quality employees or focusing on the right investments to grow your business, we have the tools and insights to keep your business on track.

We've worked with countless clients from the growth stage through ownership transition. This experience and our Financial Insights process help us provide solutions that will help you manage cash flow, grow your business and give you peace of mind from knowing you're taking good care of your business, employees and customers.

Offers for your business

  • Commercial Suite Checking account, including Treasury Services to manage your cash flow at an affordable, easy-to-understand monthly price
  • Owner-occupied commercial real estate loans up to 85% loan-to-value, terms up to 15 years, amortization up to 25 years
  • Commercial Purchasing Card with rebate option on qualified spend
  • $750 credit for new merchant relationships and next-morning funds availability

Ready to work with a banker who understands your business?

Simplified solutions tailored for wholesale distribution

Banking

  • Business checking
  • Cash management services
  • Online banking

Borrowing

  • Working capital solutions
  • Machinery and equipment
  • Real estate
  • Debt consolidation

Risk management

  • Fraud protection
  • Property and liability insurance
  • Workers' compensation
  • Business interruption

Payments

  • Electronic payments
  • Business credit card
  • Credit and debit card acceptance

Employee benefits

  • Financial wellness
  • Retirement benefits
  • Group health plans

Planning

  • Leadership development
  • Business transition
  • Personal financial planning

Expect a next-level partnership with BB&T

Starting with our first conversation, you might be surprised at how much we already know about your business. As we take a deeper dive, you'll find that we ask the right questions and—most importantly—we know how to listen.

Next, we'll set you up for long-term success with BB&T Financial Insights—our proven, three-step process that we customize for your business. Here's how it works:

Step 1: Review

We complete a comprehensive assessment of the way your business is operating today, including:

  • Industry comparisons
  • Financial strengths
  • Financial risks
  • Financial relationship overview

Step 2: Plan

Armed with the information gathered in Step 1, we'll create a plan for you that considers your unique:

  • Company strengths
  • Company weaknesses
  • Leadership challenges
  • Short-term goals
  • Long-term goals
  • Exit strategy
  • Contingency plan

Step 3: Execute

We'll take our relationship a step further by working with you to execute your plans, including:

  • Recommendations
  • Solutions
  • Roadmap
  • Value creation

Gain an edge with BB&T Financial Insights

Every day comes with new decisions to make. When you're focused on success, having a trusted financial expert can help you do just that. That's why BB&T offers financial insights-- a roadmap for your financial future. Our experts are here to set you up for long-term success.

We start with a review of where you are today and assess how your business compares to others in your industry. From there, we'll work with you to create a uniquely tailored plan that fits your needs. And we'll also be there to help you see it through.

Prepare for the road ahead with the BB&T expert by your side. Whether you want to protect, manage, or grow your business, we'll help you focus on what matters most.

Through a collaborative process, we'll review the state of your business and provide solutions that help you plan and execute for the future.

Use our knowledge to your advantage

Take advantage of our financial knowledge and expertise to build your strategy for success now and in the future.

Ready to get started?

Online

Request a callback or an email reply.

In person

Locate a branch.

BB&T Leadership Institute

Our psychology-based approach to business challenges develops personal leadership skills and promotes organizational effectiveness.

Related services

Industry Solutions

Expect a next-level partnership for your business's financial needs with BB&T.

Merchant Services

See all the options and benefits offered by BB&T Merchant Services.

International Services

Use our services and support to capitalize on the opportunities and address the challenges of international trade with ease.

Treasury Management

Optimize your company's liquidity, make sound investments for the future and reduce your financial risks with an array of treasury management options.

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    The $750 offer on new Merchant Services accounts are limited to one incentive per business and its related entities and does not apply to second or multiple business relationships. To receive the $750 incentive, account must be in good standing with processing volume exceeding $25,000 in a given calendar month within 90 days of merchant account opening. Merchant Services are subject to business type and credit approval.

Loans, lines of credit and credit cards are subject to credit approval.

Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of BB&T Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

These products are available in AL, DC, FL, GA, IN, KY, NJ, MD, NC, OH, PA, SC, TN, TX, VA and WV.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.