The inventory problem in one sentence
You have to pay for the goods before you can sell them. Every retailer, distributor and restaurant knows this. When a supplier offers a bulk discount, or the holiday season is six weeks out, the cash has to be there first. If it is not, you leave sales on the table.
How fast is fast?
We do not promise same-day funding. Decisions move quickly, and qualified businesses can be funded in as little as 24 hours. Anything faster depends on your file and when your bank posts the deposit. If your supplier has a deadline, apply a few days before it, not the morning of.
Real situations
The boutique before the holidays
For illustration: a clothing boutique doing $70,000 a month wants to place a $50,000 order in September to be ready for November. Inventory funding lets them order on time instead of waiting for fall sales.
The distributor with a bulk deal
A supplier offers a lower unit price on a larger order, good this week only. Funding lets the distributor take the deal.
The restaurant group adding a menu
New menu, new suppliers, new minimum orders. Funding covers the first round of stock.
These are examples, not our terms.
Which product fits inventory
- Working capital for a one-time stock-up
- Business line of credit if you restock in cycles all year
- Merchant cash advance if your sales are mostly card-based and you want repayment tied to revenue
Retailers can also check fast funding for retail.
Bank said no on inventory?
Banks often will not lend against inventory, or they want strong credit and long histories. Through our partner Merchant Fund Express, the review leans on your revenue and deposits. FICO 500 and up is considered. No tax returns. A soft credit pull to start.
Built for established businesses doing $60K or more a month, including sole proprietors.
Do not overbuy
Straight advice: fund the order you can sell, not the order that looks good on paper. Look at last year's sell-through for the same season. Leave room in your cash for payroll and rent while the stock moves. Funding should speed up sales you are confident in.
Get the order in
Have three months of business bank statements and your supplier quote ready. The application takes about five minutes. Funding runs from $25,000 to $5,000,000. Apply for inventory funding.
Frequently asked questions
Do I need to show the supplier invoice?
It is helpful to have your quote or invoice handy, but the core of the review is your business bank statements.
Can I get inventory funding the same day?
We do not promise same-day funding. Qualified businesses can be funded in as little as 24 hours. Apply ahead of your supplier deadline.
Does the inventory serve as collateral?
It depends on the product. Working capital and merchant cash advances are generally reviewed on revenue. Your offer will spell out the terms.
I restock every month. What fits best?
A business line of credit is often a good fit for repeat restocking because you can draw again as you repay.
Can a sole proprietor get inventory funding?
Yes. Sole proprietors can apply. The fit is an established business with steady revenue of roughly $60K or more a month and clean bank statements.