Stock up without draining cash
Inventory Financing
Capital to buy inventory ahead of demand, secured by the inventory itself.
Inventory financing funds the stock you need to meet demand — seasonal buildup, a new product line, or restocking after a strong sales period — with the inventory itself as collateral. It's narrower than a general working-capital loan, so it tends to price and approve around the inventory's resale value.
Read the complete guide →Best for
- Retailers and wholesalers building inventory ahead of demand
- Seasonal businesses stocking up before a peak
- Owners who'd rather not tie up cash in stock
Common uses
- Seasonal inventory buildup
- Bulk-buying to hit a supplier discount
- Restocking after a strong sales period
What you'll need
- A confirmed inventory purchase or restocking need
- Resalable, identifiable inventory
- Repayment ability
- Owner credit reviewed
At a glance
- Amount
- Up to $1,000,000
- Collateral
- The inventory itself
- Common use
- Seasonal or bulk restocking
Inventory Financing: which structure?
A few ways this is commonly structured. Your advisor helps you pick the right one.
A short-term facility to stock up ahead of a predictable peak, repaid after the season sells through.
Best for: Retailers with a clear seasonal pattern.
Estimate your inventory financing
Move the sliders to explore. These are illustrative figures, not an offer.
Total you'd repay
$112,000
- Total cost of capital
- $12,000
- Est. weekly payment
- $4,308
- Simplified APR
- ~24%
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms. An MCA is priced by a factor rate, not an APR; the effective APR is typically higher than the simplified figure shown, and your advisor discloses it before you commit.
Inventory Financing questions
How is this different from purchase order financing?
PO financing is tied to a specific confirmed customer order; inventory financing funds stock more broadly, even without a specific order lined up yet.
What if the inventory doesn't sell as fast as planned?
Because the inventory secures the loan, lenders look closely at how resalable and how fast-moving it is before approving.
Can I use this for a new product line?
Often yes, though a proven sales history for similar products strengthens the case. Your advisor tells you honestly where you stand.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.