Inventory Financing
Stock up, scale up, and keep your shelves full without draining your cash reserves. Inventory financing gives you the capital to purchase the inventory your business needs – when you need it.
Whether you’re preparing for a busy season, fulfilling a large order, or simply keeping up with demand, inventory financing ensures you never have to turn away business because capital is tied up.
What Is Inventory Financing?
Inventory financing is a short-to-medium term funding solution that allows businesses to purchase inventory using the inventory itself as collateral. Instead of tying up working capital or waiting on cash flow to free up, you get the funds to buy now and repay as your inventory sells.
Inventory financing is specifically structured around your purchasing needs making it a focused, efficient way to keep your supply chain moving without disrupting other areas of your business finances.
Who Is This For?
Retailers & E-Commerce Seasonal spikes, flash sales, or simply keeping up with demand – inventory financing keeps your shelves stocked and your store ready without draining operating capital.
Wholesalers & Distributors – Take advantage of bulk pricing, fulfill large purchase orders, or maintain consistent stock levels without waiting on receivables to come in.
Manufacturers – Purchase raw materials and supplies needed to fulfill contracts or ramp up production without disrupting your cash flow cycle.
Seasonal Businesses – Prepare for your busiest time of year well in advance. Stock up before the season hits and repay as revenue comes in.
Seasonal Stocking -Prepare inventory ahead of peak seasons without depleting cash reserves.
Bulk Purchase Discounts – Take advantage of supplier pricing on large orders without the upfront cash requirement.
Large Order Fulfillment – Accept and fulfill bigger contracts or purchase orders with confidence.
Maintain Consistent Stock Levels – Keep up with steady demand without inventory gaps slowing your business down.
Expand Product Lines -Add new products or SKUs without stretching your operating budget.
Supply Chain Disruptions – Get ahead of supply issues by purchasing inventory early when availability allows.
Inventory as Collateral - Your inventory secures the financing, no additional assets required
Flexible Repayment - Repay as your inventory sells, keeping cash flow aligned with revenue
Standalone or Complementary - Use as a dedicated inventory solution or alongside an existing line of credit
Seasonal Friendly - Draw when you need to stock up, repay when sales come in
GET FINANCING FOR YOUR BUSINESS NEEDS
Running a business is hard. Financing it shouldn’t be.
Our team is here to help you explore your financing options!
Retailers, Wholesalers & Manufacturers Welcome - Designed for product-based businesses of all sizes
Simple application and process, fast funding
Required Documents and Qualifications
- Last 3 Years of Financial Statement (P&Ls and Balance Sheets)
- Current YTD Financials (Balance Sheet and P&L)
- Business formation docs
- Work in Progress (WIP) Report (If Applicable)
- Most Recent AR & AP
Aging Reports - Inventory Report (If Applicable)
Why work with us?
Finding the right lender on your own can be time-consuming and frustrating. Not every lender is actively approving loans in every industry and a declined application can cost your business time and opportunity.
Our team understands the lending landscape and knows which lenders are actively funding businesses like yours right now. We do the matching so you don’t have to chase dead ends.
