Inventory Financing
Never Miss a Sale Because You're Out of Stock
Inventory financing lets you stock up for peak seasons, take advantage of bulk pricing, and fulfill large orders — without draining your working capital or turning down revenue.
When Businesses Use Inventory Financing
Inventory Financing Programs We Offer
Inventory Financing Line of Credit
Revolving credit facility secured by your inventory. Draw funds to purchase stock, repay as inventory sells. Scales with your business cycle.
Purchase Order Financing
Funding tied to confirmed purchase orders. The lender pays your supplier directly; you repay when the customer pays. Ideal for businesses with large orders and thin working capital.
Asset-Based Inventory Loans
Term loans secured by existing inventory value. Useful for businesses with significant inventory on hand that needs to be monetized for growth or operations.
Merchant Cash Advance for Inventory
Fast capital for inventory purchases repaid as a percentage of daily sales. No fixed payment — repayment flexes with your revenue. Ideal for retail and e-commerce businesses.
Inventory Financing FAQs
What is inventory financing?
Inventory financing is a type of asset-based lending where your inventory serves as collateral for a loan or line of credit. It allows businesses to purchase stock without tying up all their working capital, then repay the financing as inventory sells.
What types of businesses use inventory financing?
Retailers, wholesalers, distributors, manufacturers, and e-commerce businesses commonly use inventory financing. It's especially useful for businesses with seasonal demand, large purchase order requirements, or suppliers who require prepayment.
How much can I borrow against my inventory?
Lenders typically advance 50–80% of the inventory's liquidation value. The advance rate depends on the type of inventory, how quickly it sells, and how easily it could be liquidated if needed. Finished goods typically receive higher advance rates than raw materials.
What are the requirements for inventory financing?
Requirements vary by program. Most inventory financing programs require at least 6–12 months in business, verifiable inventory records, and a minimum monthly revenue. The inventory must be identifiable, insured, and have a clear liquidation value.
How fast can I get inventory financing?
Many inventory financing programs can fund within 5–10 business days. Purchase order financing tied to specific orders can sometimes fund faster. We match you with programs that fit your timeline and inventory type.
Ready to Stock Up and Sell More?
Apply today or call Gary Hughey to find the right inventory financing solution for your business and buying cycle.