Stock up. Sell out.
Never miss a sale.
Stop letting stockouts choke your growth. Secure up to $5M in inventory financing to purchase bulk goods, negotiate vendor discounts, and prepare for peak seasons without draining your operating cash.
- Approval based on your sales velocity, not just your FICO.
- Repay as you sell—perfectly aligned with your cash flow.
- Zero equity dilution. Keep 100% of your business.
Direct PO Funding
We can pay your domestic or international suppliers directly, ensuring your manufacturing line never stalls due to capital constraints.
Uncapped Scaling
As your sales volume grows, your borrowing capacity grows with it. Access revolving credit lines that scale alongside your brand.
Lightning Fast Turnaround
By syncing directly with your e-commerce platforms or accounting software, we can approve and wire funds in as little as 48 hours.
Check Your Purchasing Power
See how much capital your supply chain qualifies for. Zero commitment or obligation.
Built for Inventory-Heavy Brands
Cash tied up in containers crossing the ocean can't be spent on marketing or operations. Inventory financing bridges the cash flow gap so you can run your business efficiently.
Secure Bulk Vendor Discounts
Suppliers offer massive discounts for large POs. Use financing to increase your order volume, secure lower COGS, and ultimately widen your profit margins.
Prepare for Peak Seasons
Black Friday and Q4 demand massive upfront inventory investments months in advance. Bridge the gap between paying suppliers in August and collecting revenue in November.
Launch New Product Lines
Don't cannibalize the budget for your best-sellers to fund a new SKU. Access fresh capital specifically to prototype, manufacture, and launch your next big product.
Free Up Marketing Spend
When cash isn't locked in the warehouse, you can aggressively scale ad spend. Use operating cash to acquire customers, and use our cash to buy the product.
Bulk Discount ROI Estimator
Is it worth taking a loan to buy in bulk? Enter your target order size and supplier discount to see if financing yields a net-positive profit for your brand.
Order Variables
Standard cost before discount.
Financing Profitability
Money Saved via Discount
+$15,000
Total Cost of Financing
-$5,650
Net Margin Benefit
Financing this order is highly profitable. The bulk discount outweighs the cost of capital.
*Educational tool assuming an illustrative 12% APR. If net benefit is positive, leveraging debt to secure inventory discounts directly increases your bottom line.
The Smartest Capital for Commerce
E-commerce founders often resort to toxic daily-deduction loans or give away massive equity to venture capitalists just to buy inventory. Compare the smarter path.
| Feature | Inventory Financing | Merchant Cash Advance | Venture Capital |
|---|---|---|---|
| Cost Structure | Simple APR | Exorbitant Factor Rates | Permanent Loss of Equity |
| Repayment Method | Monthly or As You Sell | Brutal Daily Deductions | No repayment (Dividends) |
| Speed to Capital | 48-72 Hours | 24 Hours | 3 to 9 Months |
| Control of Company | You Retain 100% | You Retain 100% | Board Seats Given Up |
The Modern Approval Process
1. Connect Your Store
Securely link your Shopify, Amazon, or accounting software. Algorithms analyze your real-time sales history and velocity, skipping the endless paperwork.
2. Automated Underwriting
Your borrowing limit is generated based on your business's health and sales volume, providing terms tailored specifically for product-based companies.
3. Direct Funding
Funds can be wired directly to your domestic or overseas suppliers to pay for purchase orders instantly, releasing your goods for production.
Inventory FAQs
Clear answers for retail and wholesale operators.
Do you pay me or the supplier directly?
We offer flexible options depending on your needs. For Purchase Order (PO) financing, the lender often pays your manufacturer or supplier directly. Alternatively, a revolving line of credit can deposit funds into your operating account for you to distribute as needed.
What if my business is highly seasonal?
Inventory financing is built for seasonality. Many lenders offer "pay-as-you-sell" structures, where your repayment is a percentage of your daily or weekly sales. If sales are slow in Q2, your payments are low. When revenue spikes in Q4, you pay it down faster.
Do I need a perfect personal credit score?
No. While credit is considered, inventory financing relies heavily on the health of your business, your historical sales data, and the quality of your purchase orders. Strong cash flow often outweighs an imperfect personal FICO score.