Black Friday
stock finance
Finance the stock and inventory you need for Black Friday and peak season. Compare stock finance and related options from a panel of 150+ UK lenders in one application. Funding Agent is a UK lender and broker. Average time to funding is 48 hours.
- Compare offers from 150+ trusted lenders
- Applying won't affect your credit score
You pay for stock in October.
Your payouts arrive in December.
Cash gets tied up in inventory before sales land. Stock finance and inventory finance bridge that gap so you can buy stock for Black Friday and peak season without waiting on payouts.
Pay suppliers
Deposits and purchase orders go out. Cash leaves the business first.
Ads, staff & stock land
Ad spend ramps up, seasonal staff start and stock arrives at the warehouse.
Black Friday to Cyber Monday
Orders flood in. Your best four days of the year, if the stock is there.
Payouts arrive
Marketplace and card payouts settle and you repay from real sales.
Your peak season calendar
Black Friday is the start of the run, not the end. Plan funding around the whole stretch from now to the January sales.
Apply now. Some options can be approved within 48 hours.
The biggest trading day of the season for many UK retailers.
The online peak. Keep stock and ad budget for it.
Restock bestsellers after Black Friday for gifting demand.
The January sales start. Plan for clearance and repayments.
When do you need to order?
Slide to your supplier's lead time and we'll work back from Black Friday.
Stock first, then the rest of peak season
Start with stock and inventory finance for the stock you need. If stock alone is not the fit, we can also match you with merchant cash advances, loans, invoice finance and asset finance for ads, staff and kit.
Stock & inventory
Bulk orders and supplier deposits, so bestsellers don't sell out on day one.
Ad spend
Scale paid campaigns when clicks are worth the most.
Seasonal staff
Pickers, packers and shop-floor cover before payroll catches up.
Equipment & fulfilment
Packing kit, tills, vans or tech to handle the volume.
Cash flow cover
Bridge delayed payouts, VAT bills and January's quieter weeks.
Yes, if you move now
With 23 days to Black Friday, the right finance depends on what you're funding and how long it takes to arrive.
- Top-up stock orders with UK or short-lead suppliers
- Stock finance or a business loan
- Lock in ad budget for the whole peak
- Ad spend and seasonal staff
- Merchant cash advance or unsecured working capital
- Some options can be approved within 48 hours
- Restock bestsellers for Christmas
- Bridge delayed payouts and VAT
- Plan for January sales and quieter weeks
Three steps to your offers
Tell us what you need
How much, what it's for, your estimated turnover and a few details about your business. It takes a few minutes and won't affect your credit score.
We match you
Our AI uses Companies House data and publicly available credit information to match you with suitable options from 150+ lenders.
Choose and fund
Compare your offers, pick the one that fits, place your order and keep your own cash free for everything else.
Borrow for Black Friday the smart way
Your Black Friday funding checklist
- 1Pick your hero products using last year's sales data
- 2Confirm supplier lead times, deposits and payment terms
- 3Work out your discounted margin on each product (see right)
- 4Forecast three scenarios: slow, expected and strong
- 5Borrow for the whole gap: stock, ads, staff and delivery
- 6Check that repayments are affordable in your slow scenario
- 7Have bank statements and recent accounts ready
- 8Apply early. Getting offers won't affect your credit score
Is a Black Friday discount worth it?
Discounts eat into margin quickly. Here is an illustrative example:
Illustrative figures only. Not a quote or a forecast.
£26,000 secured for a retail business to optimise cash flow
A high-volume, low-margin retailer, trading for 3 years with monthly turnover consistently above £200,000, needed to bridge the gap between supplier and payroll outflows and the receipt of large invoices. We arranged a £26,000 invoice finance facility through Got Capital, helping it manage payroll and supplier payment cycles, reduce reliance on its revolving credit facility and protect liquidity while waiting for invoices to be paid.
Black Friday stock finance questions
Can't see your question? Call us on +44 736 027 2608 or get in touch.
When should I apply for Black Friday funding?
As early as you can. Work back from Black Friday (27 November 2026) using your supplier's lead time. Some options can be approved within 48 hours, but others take weeks. If stock is already too late, consider funding ad spend, staff or Christmas restocking instead.
Will applying affect my credit score?
No. Applying with Funding Agent won't affect your credit score. A lender may run its own checks later if you choose to go ahead with an offer.
How much can I borrow?
Funding Agent helps businesses find funding from £1,000 to £1,000,000. What you're offered depends on your turnover, trading history, affordability and each lender's assessment.
Is this page for stock and inventory finance?
Yes. The primary use is financing stock and inventory for Black Friday and peak season. If stock alone is not the fit, working capital loans and merchant cash advances can also cover ads, wages and other peak costs.
What if Black Friday sales are lower than expected?
Plan for it before you borrow. Check repayments are affordable in a slow-sales scenario. With a merchant cash advance, repayments are a percentage of card sales, so they fall when sales fall. Fixed-term loans keep the same repayment.
Is Funding Agent a lender or a broker?
Both. Funding Agent is a UK business lender and commercial finance broker. We fund eligible businesses directly and introduce others to third-party lenders. Where we lend, we set the rate, term, fees and decision. Otherwise the provider does. Approval is not guaranteed.
Who can apply?
UK businesses looking for funding from £1,000 to £1m. Every application is assessed on its own merits, and all funding is subject to status and underwriting.
Ready to finance your Black Friday stock?
One application. Offers from 150+ lenders. No impact on your credit score.
