Inventory-Backed Lines of Credit

Turn Your Unsold Inventory Into Instant Working Capital.

Stop letting your cash get trapped on warehouse shelves. Leverage your raw materials, finished goods, or in-transit inventory to access scalable, low-cost financing—no real estate collateral required.

High Advance Rates Borrow up to 80% of your inventory's appraised value. Turn dormant stock into cash to fund payroll, operations, or seasonal expansion.
Dynamic, Revolving Credit As your inventory levels grow, your borrowing capacity grows with it. Pay back the funds dynamically as your products sell.
Cheaper Than Unsecured Loans Because the loan is secured by your tangible assets, warehouse financing offers significantly lower interest rates than unsecured cash flow loans.

Check Your Eligibility

Connect with an inventory lending specialist. Requesting a preliminary term sheet will NOT impact your credit score.

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Interactive Tool

Inventory Liquidity Calculator

Input your current inventory value below to estimate how much instant working capital you could unlock without waiting for sales to clear.

$

Net Order Value (NOL) or Cost of Goods Sold value.

Financing Note: Warehouse financing allows you to draw down cash based on a percentage of your inventory's appraised value. Your exact Advance Rate depends on the liquidity, perishability, and market demand for your specific goods.

Projected Available Liquidity

Total Accessible Capital
$1,200,000
Instant Cash Injection
Retained Equity
$300,000
Cushion held by lender
Use of Funds
Payroll, Expansion, Seasonal Restock

Why Choose Warehouse Financing?

Understand how leveraging your inventory stacks up against traditional bank loans and unsecured debt.

Funding Feature Warehouse / Inventory Financing Traditional Bank Loan Unsecured Business Loan
Collateral Required Your Existing Inventory Real Estate or Heavy Equipment None (Relies heavily on Personal Guarantee)
Cost of Capital Moderate (Secured Asset) Low (But very hard to qualify) Very High (High Risk to Lender)
Scalability Dynamic. Credit line grows as inventory grows. Static. Requires new application to increase. Static. Capped heavily by cash flow.
Time to Fund 1 to 3 Weeks 60 to 90+ Days 24 to 48 Hours

Built for Inventory-Heavy Industries

If you have millions tied up in physical products, warehouse financing is your ultimate growth lever.

Retail & E-Commerce

Perfect for preparing for Q4 holiday rushes. Buy massive bulk stock during seasonal peaks without depleting your operating cash flow.

Wholesale & Distribution

Bridge the long gap between acquiring goods from international suppliers and finally receiving payment from your domestic B2B buyers.

Manufacturing

Fund the massive purchase of raw materials needed for production, or leverage finished goods sitting in storage waiting for shipment.

Logistics & Funding FAQs

Not necessarily. While some traditional lenders require a "public warehouse receipt" (meaning goods are stored in an independent facility), many modern lenders allow "field warehousing." This means your goods stay in your own facility, but a third-party management firm physically segregates and monitors the collateral on behalf of the lender.
Lenders conduct periodic appraisals of your inventory. Because your line of credit is directly tied to the collateral's value, a drop in market value could result in a decreased borrowing limit. This is why lenders typically advance 50% to 80% of the value—that margin protects them against sudden market fluctuations.
Lenders prefer inventory that is highly liquid, non-perishable, and easily sellable in the event of a default. Finished consumer goods (electronics, apparel, appliances), raw materials (steel, lumber), and non-perishable commodities are excellent candidates. Highly specialized, custom-manufactured parts or highly perishable goods are much harder to finance.
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