Just-in-time inventory frees cash but needs fast restock money; a line of credit fits recurring small orders better than lump sums.
Check my optionsGrowth
Inventory is often the largest use of working capital in product businesses. Just-in-time and other lean approaches reduce how much cash sits on shelves, while safety stock and bulk buying increase it. The choice directly affects how much funding you need and when.
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.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Just-in-time (JIT) inventory means ordering goods close to when they are needed, keeping stock low and reducing cash tied up in inventory. It works best with reliable suppliers, short lead times and predictable demand. The trade-off is vulnerability: a supplier delay or demand spike can cause stockouts, as many businesses experienced during the supply-chain disruptions of 2021 and 2022.
Holding safety stock or buying in bulk ties up more cash but protects against stockouts and can earn volume discounts. For seasonal products or items with long lead times, buying ahead is often necessary. Here the funding need is front-loaded: you pay months before you sell.
Measure to decide. Inventory turnover, cost of goods sold divided by average inventory, shows how many times a year stock converts to sales. Days inventory outstanding shows how long cash sits on shelves. If turnover is low on certain items, reducing them frees cash; if stockouts are frequent on others, more stock or faster reorder cycles may increase sales.
Align funding with the inventory strategy. A lean JIT operation may need only a small line of credit for occasional gaps. A business that buys ahead for a season needs larger, time-specific funding repaid from seasonal sales. Revenue-based funding can be timed for those buys; MFE considers credit from 500.
Avoid funding slow-moving stock. Borrowing to buy items that sit for months adds payments without adding sales.
Here is funding timed for a pre-season inventory buy. Illustrative numbers.
| Funding for the project | $40,000 |
| Total payback (factor 1.35) | $54,000 |
| Term | ~36 weeks |
| Payment per week | $1,500 |
| Monthly payment the project must cover | $6,495 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Just-in-time | Low cash tied up, small line for gaps |
| Safety stock | Moderate, protects sales |
| Bulk or seasonal buying | Large, time-specific funding |
| Inventory turnover | COGS / average inventory |
| Days inventory outstanding | How long cash sits on shelves |
Good fit:
Probably not yet:
Ordering goods close to when they are needed to keep stock and cash tied up low.
Generally yes, though it increases stockout risk.
With turnover and days inventory outstanding.
For seasonal items, long lead times or valuable volume discounts.
Generally no; it adds payments without sales.
Ahead of seasonal buys, repaid from seasonal sales.
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