FINANCE OPTIONS

^Inventory Funding - Get Approved Today

Q: How much can I borrow with Inventory Funding?

You can typically borrow between £10,000 and £1,000,000, depending on your inventory’s value, its turnover rate, and your business’s sales performance. The exact amount a lender offers will also reflect their assessment of risk and your supporting financial documents.

Q: What are the usual interest rates and fees?

Interest rates usually range from 4% to 19% APR, influenced by inventory type and your business’s credit profile. Fees can include processing charges, due diligence costs, and early repayment fees, as specified in your lender agreement.

Q: How fast can I access funds through Inventory Funding?

Initial decisions are typically provided in one to two weeks, with funds available within one to three weeks after approval. The speed depends on the quality of your inventory documentation and financial records.

Q: What types of Inventory Funding are available?

Inventory Funding options include an Inventory Line of Credit, Inventory Secured Loan, and Trade Inventory Finance, each offering different borrowing ranges and features to suit varied business requirements.

Inventory Funding is a practical solution for UK businesses that need working capital without sacrificing their operational cash flow. By using your existing stock as collateral, Inventory Financing allows you to access funds for purchasing inventory, supporting growth, or smoothing seasonal demand. This type of finance can be especially valuable for managing cash tied up in products and ensuring you have goods available to meet customer needs. Inventory Funding helps maintain healthy cash flow, making it easier to respond to fluctuations and invest in opportunities as they arise.

Inventory Funding

Secure up to £1,000,000 in Inventory Funding with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Inventory Funding

Inventory Funding is designed to help UK SMEs bridge cash flow gaps, manage seasonal demand, and unlock the value tied up in stock. With rates typically ranging from 4% to 19% APR and decisions often made within one to two weeks, this finance product can help you maintain momentum and adapt to changing conditions.

Improves cash flow

Supports inventory growth

Enhances purchasing power

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Inventory Funding

Inventory Line of Credit

An Inventory Line of Credit offers revolving access to funds using your inventory as security, ideal for covering periodic cash flow needs or stocking up for peak sales.

Inventory Line of Credit

This product is suitable for businesses with a track record of sales and effective stock tracking systems. Finance amounts range from £10,000 to £500,000, with terms of 6 to 36 months. Decisions are typically made within one to two weeks. Common uses include managing seasonal stock, expanding product lines, and smoothing cash flow for businesses like retailers and manufacturers.

Inventory Secured Loan

An Inventory Secured Loan provides a lump sum, secured by your stock, to cover large restocks or facilitate strategic expansion projects.

Inventory Secured Loan

This loan requires verifiable inventories and audited financials, with typical borrowing from £50,000 to £1,000,000 over 12 to 48 months. The application process involves inventory lists and recent appraisals. Wholesale and distribution businesses can benefit, using this finance to support substantial purchases or global supply chains.

Trade Inventory Finance

Trade Inventory Finance is tailored for import/export businesses needing to manage supplier payments or currency fluctuations without tying up working capital.

Trade Inventory Finance

Best suited to companies with established trade relationships, funding ranges from £25,000 to £750,000 for 3 to 18 months. Businesses submit purchase orders and supplier agreements; lenders pay suppliers upon arrival of stock. This suits sectors like textiles, food, and electronics, helping manage cash flow and foreign exchange risk.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Secure Inventory Funding with Funding Agent

Submit Your Application

Provide details about your inventory, finances, and business performance using Funding Agent’s secure online application form, ensuring all figures are accurate and up to date.

Receive Offers

Review a range of financing options from trusted lenders, allowing you to choose the most suitable terms for your inventory requirements and growth plans.

Secure Funding

After choosing an offer, complete the necessary documents and receive your Inventory Funding promptly, freeing up cash tied in stock for your business’s needs.

Get Funding For your business

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can I borrow with Inventory Funding?

What are the usual interest rates and fees?

How fast can I access funds through Inventory Funding?

What types of Inventory Funding are available?

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July 24, 2025

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^Inventory Funding - Get Approved Today

Key ^Benefits of Inventory Funding

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Inventory Funding

Inventory Line of Credit

Inventory Line of Credit

Inventory Secured Loan

Inventory Secured Loan

Trade Inventory Finance

Trade Inventory Finance

Typical Funding Journeys on Funding Agent