Inventory Loans Up to $750K
Finance your next inventory purchase without draining your working capital. Stock up for peak seasons, take advantage of bulk pricing, or expand your product lines with dedicated inventory financing.
Why Inventory Financing
Stock smarter, grow faster
Running out of stock costs you sales. Overspending on inventory drains your cash. Inventory financing gives you the balance you need to keep shelves full and cash flowing.
Purpose-Built for Inventory
Unlike general business loans, inventory financing is structured around your purchasing cycle. Align repayment with your expected sell-through timeline for optimal cash flow.
Bulk Purchase Power
Take advantage of supplier volume discounts and early-pay incentives by purchasing larger quantities. The savings from bulk pricing often exceed the cost of financing.
Seasonal Stocking Flexibility
Prepare for peak selling seasons without draining your operating capital. Finance pre-season inventory orders and repay as the inventory sells through.
Grow Your Product Lines
Test new products or expand your catalog without the risk of committing all your working capital. Finance new inventory lines and scale what works.
Revenue-Aligned Repayment
Many lenders in our network offer repayment structures that align with your sales cycle, so payments increase as inventory converts to revenue.
Preserve Working Capital
Keep your cash reserves intact for operations, payroll, and other expenses. Inventory financing lets you stock up without tying up your liquid assets.
Industries We Serve
Inventory financing for every industry
If your business buys and sells products, we have lenders who understand your inventory needs.
Qualifications
Eligibility requirements
Inventory loans are available to businesses that purchase and sell physical products. Meet these basic requirements to get started.
Time in Business
6+ months
Monthly Revenue
$15,000+
Credit Score
550+
Industries
Inventory-based
How It Works
Three steps to stocked shelves
Apply and Share Your Inventory Needs
Submit a 2-minute application and let us know about your inventory purchasing plans. Whether it is a seasonal stock-up, bulk order, or new product line, we will match you with the right lenders.
Compare Inventory Financing Offers
Receive offers from lenders who specialize in inventory financing. Compare rates, terms, and repayment structures side by side to find the best fit for your purchasing cycle.
Purchase Your Inventory
Accept your offer, receive funding in as little as 1 to 3 business days, and place your inventory orders. Some lenders can pay suppliers directly for even faster processing.
FAQ
Inventory financing questions
What is inventory financing and how does it work?
Inventory financing is a type of business funding specifically designed to help businesses purchase inventory. The inventory itself often serves as partial or full collateral for the loan, similar to how equipment financing uses the equipment as security. You receive capital to purchase inventory, and then repay the financing over a set term as you sell through the product. Terms typically range from 3 to 36 months depending on the type of inventory and your expected sell-through rate.
What types of inventory can I finance?
You can finance virtually any type of business inventory, including finished goods for retail, raw materials for manufacturing, wholesale products for distribution, food and beverage supplies, auto parts, construction materials, medical supplies, and more. Both domestic and imported inventory qualify, and some lenders in our network also finance purchase orders before goods are delivered. The key requirement is that the inventory has a clear path to generating revenue for your business.
Can I use inventory financing for seasonal stocking?
Absolutely. Seasonal inventory financing is one of the most common use cases. Businesses in retail, e-commerce, hospitality, landscaping, and many other industries use inventory loans to stock up before their peak selling seasons. Many lenders offer terms specifically designed around seasonal patterns, allowing you to purchase inventory 2 to 4 months before your busy season and repay as sales come in. This approach ensures you have adequate stock without depleting your cash reserves during the quieter months.
How is inventory financing different from a general business loan?
While you can use a general business loan to purchase inventory, dedicated inventory financing offers several advantages. First, because the inventory serves as collateral, you may qualify for better rates or higher amounts than an unsecured loan. Second, repayment terms are often structured around your inventory sell-through cycle, aligning payments with revenue. Third, some lenders offer direct supplier payment, which can simplify the purchasing process and provide additional negotiating power with your suppliers.
Ready to stock up?
Apply in 2 minutes and get inventory financing offers from our network of 300+ lenders. Keep your shelves full and your cash flowing.