So I have managed to 'acquire' a large quantity of chems, and I would like to sell them to fund my other various hobbies.

It seems that most of the traders I encounter only have around 265 caps available to trade with. Which makes offloading large quantities of goods a pain as they can rarely deal with a large transaction.

So which traders have the most caps available? How often do traders caps supply update or regenerate if indeed at all.

Here is a question related to cap regeneration.

2 Answers

While they require an initial investment and the Cap Collector and Local Leader rank 2 to build, the shops you can build at your settlements have quite a lot of caps (between 700-800 for both the level 3 Clinic and level 3 Weapon shop, I assume the other level 3 shops to carry a similar amount.)

The rank 3 of cap collector also allows you to invest 500 caps in a shop once to increase it's buying capacity.

These methods are both reliant on the Cap Collector perks however.

Some Numbers

The Merchants page on Nukapedia has a listing of known merchants with the amount of available caps for most of them. There are a few without a cap amount listed, including notable traders such as Trashcan Carla.

I took that table, and sorted it by caps available. Among those with amounts, most of the wealthiest require the Far Harbor DLC. None of the Nuka-World merchants are listed, at this time.

The wealthiest merchant based on this information is Mitch, in Far Harbor, with 974 caps. The wealthiest without DLC is Doctor Patricia in Covenant, with 748 caps.

I've included that table below, but I've done a little testing myself after first posting this answer, and the numbers don't appear to be accurate. For instance, I visited Mitch twice a few levels apart, found him to have two different values both around 450 caps, and then went and visited Brooks and found him to have just over 700 caps.

Merchant name Caps Location Requirements Mitch 974 Far Harbor at The Last Plank Far Harbor Doctor Patricia 748 Covenant Brooks 720 Far Harbor Far Harbor Sister Mai 698 The Nucleus Far Harbor Erickson 680 Horizon Flight 1207 Far Harbor Allen Lee 478 Far Harbor Far Harbor Debby 469 Far Harbor at The Last Plank Far Harbor Pearl 434 Vault 118 Far Harbor The Archemist 423 The Nucleus Far Harbor Kane 423 The Nucleus Far Harbor Opal 417 Rooftops west of Custom House Tower Slim 417 Near D.B. Technical High School Dejen 408 Acadia Far Harbor Deb 390 Bunker Hill Rachel 381 Vault 81 Rufus Rubins 359 Goodneighbor Arturo Rodriguez 352 Diamond City Doc Weathers 349 Traveling Synth 347 The Institute Trudy 347 Drumlin Diner Supervisor Greene 344 Greygarden Rowdy 343 Atom Cats garage Penny Fitzgerald 338 Covenant Solomon 306 Diamond City Doctor Sun 304 Diamond City Stash 292 Traveling Eleanor 284 Northwest of Fairline Hill Estates Lucas Miller 258 Travelling Alexis Combes 254 Vault 81 June Warwick 253 Warwick homestead Minutemen quests Moe Cronin 251 Diamond City Sheng Kawolski 250 Diamond City Fred Allen 244 Goodneighbor Myrna 243 Diamond City Surplus Daisy 242 Goodneighbor KL-E-0 240 Goodneighbor Cricket 239 Traveling Scarlett 233 Diamond City Brother Ogden 206 Crater of Atom Isabel Cruz 200 The Mechanist's lair Post-Automatron Smiling Larry 196 random encounter Vadim Bobrov 141 Diamond City Polly 131 Diamond City Takahashi 131 Diamond City Becky Fallon 128 Diamond City Kay 109 Bunker Hill Whitechapel Charlie 109 Goodneighbor Bluejay Atom Cats garage Cog Acadia Far Harbor Connie Abernathy Abernathy farm Minutemen quests Daniel Finch Finch farm Minutemen quests Doctor Carrington Railroad HQ Kat Traveling Knight-Captain Cade The Prydwen Leonard Moore South of Coastal Cottage Maria Summerset Vault 81 Percy Diamond City Surplus Proctor Teagan The Prydwen Ronnie Shaw The Castle Minutemen quests Teddy Wright Far Harbor Far Harbor Tinker Tom Railroad HQ Trashcan Carla Traveling Wellingham Diamond City 

Conclusion

All that being said, CoqPwner is correct in saying that merchants you build have at least as many caps as these options. There's a listing on the Fallout 4 Settlement Objects page at Nukapedia that lists some caps values for the craftable shops, but I'm also quite suspicious regarding these numbers. For instance, it shows the level 3 clothing shop as having 141 caps, but the level 1 as having only 251, which doesn't seem right.

Regardless of how many caps are available at each shop, the best way to sell a bunch of stuff is to go somewhere where there are multiple shops. The Diamond City Market has six (plus the clothing shop which requires loading another cell), which I believe is more than anywhere else. This is probably your first stop for trading for much of the game. Later, when you can build your own shops, you can set up a similar trading hub in any settlement.