Buy next season's lines and restock best sellers on the vendor's timeline, not your bank's. Funding in as little as 24 hours if you qualify.
Fund My InventoryApparel inventory funding
Apparel buys happen months ahead. We help clothing stores pay for inventory on time so they never miss a season or a size run.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified stores.
FICO 500 and up considered. Sales deposits drive the review.
Your offer shows the full repayment amount before you accept. No surprise costs once you sign.
The repayment schedule is set out in the offer, so you can match it to sell-through.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
In apparel, what is on the racks decides what you sell. Miss a reorder on a best-selling denim fit, or come up short on a vendor's seasonal minimum, and shoppers go somewhere else. The challenge is that clothing buys happen months ahead, often with deposits due well before the product sells. Inventory funding lets you buy at the right time instead of when cash happens to be available.
Funders mostly look at your business bank deposits and any existing obligations. They want to see that sales come in regularly enough to support repayment while the new stock sells through. We ask for about three months of business bank statements, no tax returns, and consider FICO 500 and up. The application takes about 5 minutes and starts with a soft credit pull. Qualified stores can be funded in as little as 24 hours.
Working capital is a clean option for a single large buy. If you reorder in waves all season, a business line of credit lets you draw as you go. Revenue-based financing and a merchant cash advance both connect repayment to sales, which can track nicely with how inventory turns. Every offer lists the full repayment amount and the schedule before you accept.
Funding inventory makes sense when the goods sell through at a margin that comfortably covers the cost of the money. Look at your sell-through rate on similar items and plan for some markdowns. For illustration, a $60,000 holiday buy expected to sell at keystone markup still has room after a round of end-of-season markdowns, while a risky new brand might deserve a smaller test order first.
Yes. Many clothing stores use it to meet pre-book deposits and seasonal minimums.
Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.
No tax returns are required. About three months of business bank statements is the core document.
Yes. Sole proprietors can apply.
Qualified businesses can be funded in as little as 24 hours, so you can meet vendor deadlines.
It can be, if the goods fit your customers and sell through quickly at a solid margin. Review the deal against your past sell-through on similar items, and pass on bargains that would sit on the racks until the next markdown cycle.
Example uses for illustration only.
Tighter inventory habits make funding work harder for you.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding