Inventory Financing
A loan or line of credit secured by a business's existing or incoming inventory, used to purchase stock ahead of sales.
The inventory itself serves as collateral, so the amount available typically scales with the value and type of goods on hand, with lenders generally advancing a percentage of the inventory’s value rather than its full retail price.
It’s commonly used by retailers, wholesalers, and distributors to stock up ahead of a busy season or a large order, without tying up cash that’s needed elsewhere in the business.
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