Stock up for demand without draining cash. Inventory financing funds the products you sell—so you can buy ahead of a busy season, take bulk discounts, and never miss a sale to a stockout.
Inventory financing is funding used to purchase stock you intend to sell. It can be a short-term working capital loan, a line of credit, or a facility secured by the inventory itself. The point: buy ahead of demand, capture bulk discounts, and avoid stockouts—without draining your cash reserves. Lenders underwrite mainly on revenue, so consistent sales matter more than collateral.
Stock up before the holidays or your peak season and repay as the rush sells through.
Buy larger quantities to unlock supplier pricing—the savings can outweigh the financing cost.
Fund a large purchase order from a major customer before their payment arrives.
Keep best-sellers in stock so you never turn away revenue—or lose customers to competitors.
Launch or expand a line without pulling cash from the rest of the business.
Pay suppliers up front for better pricing while you sell on your own timeline.
| Option | Best for | Notes |
|---|---|---|
| Business line of credit | Recurring/seasonal inventory cycles | Draw to buy, repay as it sells, reuse—ideal for inventory |
| Short-term working capital | A one-time inventory purchase | Fast lump sum; underwrites on deposits |
| Revenue-based financing | Strong sales, flexible repayment | Repayment flexes with revenue |
| Merchant cash advance | Card-heavy retailers needing cash now | Advance on future sales |
| Invoice factoring | Freeing cash to rebuy stock | Advances against unpaid B2B invoices |
Any business that holds stock can benefit. We commonly work with:
Decide how much inventory you need and the expected sell-through timeline.
Working capital for a one-time buy, or a line of credit for recurring inventory cycles.
Submit with 3-6 months of bank statements to reach multiple lenders. Decisions often in 24-48 hours.
Accept the best offer and buy inventory—short-term funding often arrives in 1-7 days.
Funding used to purchase stock you intend to sell—a short-term loan, a line of credit, or a facility secured by the inventory. It lets you buy ahead of demand and take bulk discounts without draining cash.
Common routes are short-term working capital, a line of credit, or revenue-based financing. Lenders underwrite mainly on revenue, so consistent deposits matter most.
Yes—it's often the best fit because buying is cyclical. Draw to purchase, repay as stock sells, and reuse the credit, paying interest only on what you use.
Commonly $10,000 to $500,000 depending on revenue, time in business, and credit—with larger facilities for high-volume retailers and distributors. See how much can I borrow.
Absolutely—stock up before peak periods and repay as the season's sales come in. A line of credit suits this pattern especially well.
Whether it's seasonal buildup, a bulk discount, or a big order, we'll match you with lenders that fit your inventory needs. One application, multiple offers, funding often within a week.