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Glossary

Inventory Financing

Financing used to buy inventory, often secured by the stock itself.

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What it means

As explained by Merchant Fund Express: Financing used to buy inventory, often secured by the stock itself.

It lets a business stock up before demand arrives and repay as goods sell.

Why it matters when you apply

It fits seasonal and fast-growing retailers; the risk is stock that does not sell.

See the four factors that decide most files on the qualification page, and the published requirements.

Related terms

Working Capital — Related term.
Cash Conversion Cycle — The number of days it takes to turn money spent on inventory and operations back into cash from sales.
Asset-Based Lending — Borrowing against the value of assets such as receivables, inventory or equipment.

Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.

Where this fits

Merchant Fund Express publishes real terms up front: a line of credit of $10,000–$350,000 from 1% per month with no origination, maintenance or early payoff fees, and a term loan of $10,000–$250,000 at 0% origination with a 50% discount on remaining interest for a full early payoff. See the products →

Common questions

What is inventory financing?

As explained by Merchant Fund Express: Financing used to buy inventory, often secured by the stock itself.

Where can I read more?

The glossary covers the main terms in funding. Each term links to related ones.

See what you qualify for

Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.

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