Place the full holiday order before your supplier's deadline. We fund established businesses from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.
Stock Up NowSeasonal Inventory Funding
Suppliers want payment in the fall. Your best sales land in December. Working capital closes that gap so you are not choosing between stock on the shelf and cash in the account.
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.
A 5-minute application with about three months of bank statements and no tax returns, so it fits between vendor calls.
FICO 500 and up is considered. Your deposit history matters just as much as your score.
The full repayment amount is shown in your offer before you accept. No surprise costs appear after you sign.
Your schedule is laid out in the offer, so you can plan it against holiday sell-through and the quieter months after.
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.
Retailers, gift shops, bakeries, online sellers and wholesalers all hit the same squeeze. Suppliers want orders placed weeks before the rush, often with deposits up front, while the sales that pay for that stock do not land until late November and December. Order too little and you run out on the busiest weekend of the year. Order enough and your account runs thin right when you also need seasonal help.
We provide working capital and merchant cash advances that let you place the full order on time. You can apply in about 5 minutes.
Holiday inventory requests are read against your normal pattern of deposits. Funders usually weigh:
There is no single cutoff on any of these. They are weighed together.
If you place one big order, a lump sum of working capital or a merchant cash advance fits naturally. If you reorder in waves as items sell through, a business line of credit lets you draw only what each reorder needs. For more on stocking strategy, see our inventory financing guide.
Approved funds can arrive in as little as 24 hours for qualified businesses, but supplier lead times are the real clock. Many owners apply once they have a supplier quote in hand so the amount matches a real order. Sole proprietors can apply, and no tax returns are needed to get started.
Ideally once you know your order size and your supplier's deadline. The application takes about 5 minutes and funding can arrive in as little as 24 hours for qualified businesses, so the supplier lead time is usually what sets the schedule.
Funders look at the full pattern of deposits. A dip in some months is normal for seasonal businesses and is read in context with your other months and existing obligations.
Yes. Working capital can cover inventory, temporary staff, extra shipping supplies or marketing for the season.
Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposits and what you already owe.
Every offer shows the full repayment amount before you accept. There are no surprise costs added after you sign.
Build a cushion into your plan. Order the core items you know will sell, keep some cash for reorders, and choose an amount and repayment schedule your normal deposits can carry, not just your best weeks. That way a soft season is uncomfortable rather than damaging.
Example uses for illustration only.
Owners who prep a little get a cleaner holiday funding review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding