Inventory financing is a funding solution that lets a business borrow money using its existing or future inventory as collateral. It’s designed for companies that need cash on hand to buy more products, stock up for busy seasons, or keep shelves full without draining working capital.
A lender reviews the value of your inventory and provides a credit line or short-term loan based on that value. As you purchase inventory, the financing covers the cost. When you sell the products, you repay the advance over time. Because the inventory itself secures the loan, approval can be faster and more flexible than traditional financing.
• Immediate capital to purchase more inventory — keep products in stock and sales moving.
• Frees up cash flow — avoid tying your money up in inventory.
• Easier approval — inventory serves as collateral, reducing lender risk.
• Ideal for seasonal or fast-growing businesses — stock up before demand spikes.
• No need to offer personal assets — business inventory backs the financing.
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