Merchant Fund Express
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Inventory Funding for Freight and Logistics

Stock packaging, pallets, parts and supplies before demand hits. Funding from $25,000 for warehouses, 3PLs and regional fleets.

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Freight Inventory Funding

Buy supplies ahead without draining operating cash

Running out of pallets, wrap or parts costs more than buying early. We help logistics operators fund supplies ahead of client ramps and busy seasons.

As fast as
24 hours

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.

Inventory funding that keeps the dock moving

Quick, simple application

About 5 minutes to apply with three months of statements. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ is considered. Steady deposits weigh heavily in the decision.

Full cost on the table

Your offer shows the total repayment amount before you accept. No surprise costs after you sign.

Predictable payments

Your schedule is set out in the offer up front, so you can plan it against inventory turns.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Logistics inventory is not just boxes on a shelf

When people hear inventory, they think of retail. In freight and logistics, it means the supplies that keep operations moving: pallets, stretch wrap, packaging and dunnage for a fulfillment warehouse; tires, filters and spare parts for a local fleet; fuel bought ahead; and, for 3PLs, supplies tied to a client's program. Inventory funding for freight and logistics helps you buy what you need in the quantities that make sense, before a client ramp or busy season hits.

Why buying ahead pays off

The challenge is that all of this spends cash weeks before customers pay you.

Sizing an inventory request

Look at what you would buy if cash were not the constraint, then cut it to what you can realistically turn over in the next few months. Funders mostly weigh your recent deposits and existing obligations when deciding an amount. For illustration, a small fulfillment warehouse onboarding a seasonal client might stage packaging and pallets, while a local delivery fleet might stock tires and brake parts for the year's heavy stretch.

Be careful not to overbuy. Supplies that sit for a year tie up cash you could have used elsewhere, and storage space in a warehouse has its own cost. A request that matches a realistic usage plan is easier to repay and easier for a funder to understand.

Products that fit inventory needs

A lump sum of working capital for freight and logistics suits a single large purchase. If you restock in cycles, a business line of credit lets you draw for each order. Businesses with steady incoming receipts sometimes choose revenue-based financing so payments track revenue.

Applying

Start with our 5-minute application and a soft credit pull. We ask for about three months of business bank statements; no tax returns are required. FICO 500+ is considered and sole proprietors can apply. We work with regional and local carriers, warehousing, fulfillment and brokerage operations, and we do not promise funding for long-haul trucking. Funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

What counts as inventory for a logistics company?

Packaging, pallets, wrap, labels, spare parts, tires, fuel and supplies tied to client programs are all common examples.

Can I buy supplies for a specific client?

Yes. 3PLs often fund supplies staged for a new or growing account before that client's first invoices are paid.

Is there a minimum amount?

Funding starts at $25,000 and can go up to $5,000,000, depending mainly on deposits and existing obligations.

Can I use the funds for fuel?

Yes. Some fleets buy fuel ahead or cover a spike in fuel spend during a heavy stretch of routes.

Do I need supplier quotes?

They are not required, but they help you ask for the right amount.

How is repayment set up?

Your offer lays out the full repayment amount and schedule before you accept, so you can match it to when inventory turns into revenue.

Pallets and wrap $16,000.00
Spare parts $21,000.00
Tire stock $13,500.00
Client supplies $34,000.00

Example uses for illustration only.

How to improve your chances

These steps help you request the right inventory amount.

  • Track how fast each supply category is used
  • Collect quotes for bulk orders
  • Separate client-specific supplies in your plan
  • Keep deposits in one business bank account

Inventory funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Full loan package
Paperwork
About 3 months of statements
Tax returns, inventory lists
Credit
FICO 500+ considered
Higher scores typical
Speed
As little as 24 hours if qualified
Often weeks
Use of funds
Supplies, parts, fuel
May restrict uses

Stock up before the rush

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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