Overview
Inventory Financing helps retail, wholesale, and e-commerce businesses purchase inventory to meet customer demand. Inventory serves as collateral, providing accessible financing for growing businesses.
Key Benefits
Fund inventory purchases without depleting cash
Meet customer demand and avoid stockouts
Inventory serves as collateral (lower rates)
Flexible terms and repayment options
Seasonal adjustment available
Support for rapid growth and scaling
Qualifications
- • Business must be in retail, wholesale, or e-commerce
- • Inventory must be saleable and have clear value
- • Business operating 1+ year
- • Monthly sales of $10,000+
- • Personal credit score of 600+
- • Current sales records and inventory valuation
Funding Amounts
Minimum
$25,000
Typical Range
$50,000 - $500,000
Maximum
$2,000,000
Funding Timeline
Typical approval: 5-10 business days
Actual timelines depend on application completeness and lender review. Faster approval may be available for well-qualified applicants.
Frequently Asked Questions
Can I finance inventory before I have specific products?
Most inventory lenders require identified products. You can discuss pre-approval while sourcing inventory.
What if inventory doesn't sell as expected?
Repayment terms are based on projections, but you still owe the loan. Some lenders offer seasonal adjustment options.
Can I refinance to get more inventory?
Yes, once your initial inventory sells, you can apply for additional inventory financing.
Ready to Explore Inventory Financing?
Start your application today to connect with lending partners specializing in this program.
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