Use Case: Purchase Inventory
Buy the stock now. Sell it on your timeline.
Volume pricing, seasonal demand and large orders all require inventory before revenue. We help you fund it through the assets and receivables that already support the business.
The Need
Inventory is cash sitting on a shelf.
Every unit bought ahead of a sale ties up money until a customer pays for it. Buying in bulk or ahead of a busy season can save real money, but only if the business can carry the stock in the meantime.
Stand-alone inventory loans are hard to get and often expensive. Equipment equity and receivables are usually a cheaper and more reliable way to fund the same purchase.
Build a Plan
Before you apply.
Know your turn
How long does stock sit before it sells, and how long before the customer pays? That full cycle is the period you need to fund.
Weigh the discount against the cost
A supplier discount or bulk price is only worth taking if it exceeds the cost of carrying the stock.
Fund the cycle, not just the purchase
Factoring the resulting invoices can shorten the cycle and reduce how much capital the inventory needs.
Financing Routes
Ways to fund it.
The best route depends on what the business owns and what it is owed.
AR & Invoice Factoring
Get paid on shipped orders right away, freeing cash to restock sooner.
Learn about AR & Invoice FactoringEquipment Refinance
Use equity in owned equipment to fund a large stock purchase.
Learn about Equipment RefinanceSale-Leaseback
Convert owned equipment into cash for seasonal buying without disrupting operations.
Learn about Sale-LeasebackEmbedded Financing
If you sell to other businesses, offer your customers financing so they can buy more from you.
Learn about Embedded FinancingHow It Works
Three steps to a decision.
Tell us about the business
What you own, what you are owed and what the capital is for. A short call or the online form is enough to start.
We match the structure
We review the assets and the need, then take the file to the funding partners best suited to it.
Compare and decide
You see the amount, term and payment for each option with the trade-offs written out. Nothing moves until you choose.
What to prepare
What funding partners review.
A complete file moves faster. Here is what usually helps:
- Supplier quotes or purchase orders
- Recent bank statements
- Accounts receivable aging
- Inventory turnover or sales history
- List of owned equipment
- Year-end financial statements if available
Questions.
It is possible, but inventory-only financing tends to be costly and limited. Funding through equipment or receivables is usually a better fit.
Yes. Seasonal buying is one of the most common reasons to use equipment equity or factoring.
Our focus is businesses with equipment or B2B receivables. Pure online retailers may be better served by other specialists.
Factoring and refinancing can often be completed in one to two weeks.
Next Step
Let's see if we can help!
A short conversation is enough to tell you whether there is capital available and what it would look like.