Stock Up Without Draining Your Cash Flow
Inventory financing gives you the capital to purchase stock, raw materials, or merchandise while preserving your working capital. Keep your shelves full and your business growing.
Apply for Inventory FinancingHow Inventory Financing Works
Inventory financing is a specialized type of credit that helps businesses purchase inventory without using their existing working capital. The inventory itself serves as collateral, making this an accessible option for growing businesses.
When you need to stock up for a busy season, fulfill a large order, or expand your product lines, inventory financing gives you the liquidity to do so. You repay the financing as you sell the inventory, aligning your payments with your revenue.
This type of financing is ideal for retailers, wholesalers, distributors, and manufacturers who need to maintain healthy inventory levels but don't want to tie up all their capital in stock.
Common Use Cases
Qualification Requirements
Inventory financing requirements are designed to ensure your business can effectively manage and sell the inventory you're financing.
- 6+ months in business
- $15,000+ in monthly revenue
- Proof of inventory purchases or supplier relationships
- No open bankruptcies
- Business bank statements showing sales activity
Types of Inventory We Finance
We work with businesses across a wide range of industries that need financing for various types of inventory.
Why Use Inventory Financing?
Preserve Working Capital
Keep your cash flow healthy by financing inventory instead of paying upfront. Use your capital for operations, marketing, or growth.
Take Advantage of Discounts
Suppliers often offer significant discounts for bulk purchases. Inventory financing lets you stock up and save without stretching your budget.
Never Miss a Sale
Keep shelves stocked during peak seasons or high-demand periods. Avoid lost sales from stockouts and maintain customer satisfaction.
Flexible Repayment
Many inventory financing options align repayment with inventory turnover. Pay faster when inventory sells, matching cash flow.
Build Supplier Relationships
Consistent ordering with financed inventory helps build strong supplier relationships, leading to better terms and priority service.
Scale Your Business
Access the inventory you need to fulfill larger orders, expand product lines, or open new locations without waiting to accumulate cash.
Inventory Financing vs. Other Options
| Feature | Inventory Financing | Traditional Loan | MCA |
|---|---|---|---|
| Collateral Required | Inventory itself | Personal/business assets | Future receivables |
| Approval Speed | 24-48 hours | 1-4 weeks | 4-24 hours |
| Credit Requirements | Flexible | Strict (650+) | More flexible |
| Use of Funds | Inventory only | Any business purpose | Any business purpose |
| Tax Deductible | Interest may be | Interest is deductible | Not typically |
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