Inventory financing, explained by people who've paid for containers
The oldest problem in commerce: the goods must be paid for before they can be sold. Inventory financing advances capital against the stock itself — here's how to use it well.
The inventory is the collateral
Lenders advance a percentage of landed cost against stock with proven velocity. Your house, your savings, and your equity stay out of it.
Sized to the order, not your credit limit
A $400K seasonal buy doesn't fit on a credit card and shouldn't drain your operating cash. Facilities scale with the purchase because the purchase is the security.
Honest about the fit
This works for proven SKUs with steady sell-through. Slow movers, unproven launches, and fad products underwrite poorly — and we'll tell you that before a lender does.
Structures that fit this channel
All five, comparedCapital secured by the inventory it buys. The lender advances against the PO or the landed stock; you repay as units sell through.
$100K – $5MA lender pays your supplier directly against a confirmed purchase order from your buyer. You fulfill; they collect; you keep the spread.
$250K – $10MA revolving limit you draw against as needed and repay to reuse. Interest accrues only on what's outstanding.
$50K – $1MGet matched in five minutes
Same form, wherever you start. Your platform mix shapes which lenders you see.
What's your growth opportunity?
The right capital depends on what it's for. Start there.