Funding buys stock before you sell it; repayment comes from those sales. Short terms fit fast-turning inventory.
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Inventory financing provides cash to buy goods you will sell later, repaid as that stock turns into sales. It can be a dedicated inventory loan secured by the goods, a line of credit or revenue-based capital sized on your deposits.
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.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
Net cash, total payback and payment shown before you sign.
Existing balances of $100,000 or less can be bought out.
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.
Dedicated inventory loans and inventory lines use the stock itself as collateral. The lender advances a percentage of the inventory value, often well below retail because goods may need to be liquidated at a discount, and may require regular inventory reports or audits. They suit businesses with substantial, easily valued inventory, such as distributors and larger retailers.
Smaller businesses often fund inventory with more general tools. A business line of credit lets you draw before a season and repay as goods sell. Revenue-based funding or a merchant cash advance provides a lump sum based on bank deposits, without inventory audits, and can arrive the next business day. These are faster but usually more expensive, so they fit stock that will sell within the funding term.
The key metric is turnover: how quickly inventory converts back into cash. If holiday stock sells within eight weeks and carries a 40% gross margin, a short-term product can be repaid comfortably from those sales. If the inventory sits for six months, a short-term product with daily payments will squeeze cash long before the goods sell.
Before borrowing, check your sell-through data from previous seasons, negotiate supplier terms such as net-30 or net-60 that can reduce the amount you need, and avoid overbuying because funding is available. Supplier discounts for larger orders can justify funding only if the extra stock will actually sell.
MFE considers credit from 500 and offers can be timed before your peak season.
Here is a payback check for seasonal inventory funded with short-term capital. Illustrative numbers.
| Funding for the project | $50,000 |
| Total payback (factor 1.28) | $64,000 |
| Term | ~26 weeks |
| Payment per week | $2,462 |
| Monthly payment the project must cover | $10,658 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Inventory loan or line | Secured by stock, may require audits |
| Business line of credit | Draw before season, repay as goods sell |
| Revenue-based funding | Fast, no audits, sized on deposits |
| Supplier net terms | Free if paid on time |
| Purchase order financing | Funds supplier for confirmed orders |
Good fit:
Probably not yet:
Funding used to purchase stock, repaid as the stock sells.
For secured inventory lines, often yes; revenue-based funding typically does not require them.
Secured lenders advance a percentage of inventory value; revenue-based offers depend on deposits.
Only if the extra stock will sell within the funding term at your normal margin.
Revenue-based options begin at 500; secured inventory lines vary.
Several weeks before the season, while statements are strong.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding