Stock and Inventory Finance - Get a Quote
Stock and Inventory Finance offers businesses a strategic way to leverage their stock as collateral to access working capital. This finance option enables companies to manage cash flow better and make timely purchases without waiting for current inventory to be sold. Whether you need to meet sudden demand or optimize stock levels during peak seasons, Stock and Inventory Finance can be a powerful tool. Check out our detailed guide on inventory finance for agriculture for further insights.
- Quick and easy application process
- Loan disbursed within 24 hours
- No additional charges for early repayment
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What are the benefits of Stock and Inventory Finance?
The advantages of Stock and Inventory Finance include unlocking cash flow without selling your inventory, flexible repayment terms, and rates from 5% to 15%. Eligible businesses can access amounts ranging from £20,000 to £10 million, with funds becoming available 1 to 2 weeks post-approval. For a flexible solution, consider our overview of supply chain finance.
What are the different types of Stock and Inventory Finance?
Inventory Loans
Inventory Loans are ideal for UK businesses with stock as an asset. Loans range from £20,000 to £500,000 over 3 to 24 months, with interest rates between 6% to 15%. Learn more about how similar options like asset finance can benefit your enterprise.
Stock Financing Agreements
Stock Financing Agreements cater to businesses facing seasonal cash flow challenges. Typical loans range from £50,000 to £1 million, with terms up to 18 months. Rates vary from 7% to 12% annually. Read about options suited for seasonal needs in our article on short-term business loans.
Asset-Based Inventory Financing
Asset-Based Inventory Financing is tailored for companies with high-value inventory, providing loans from £100,000 to £10 million over 12 to 36 months. Interest rates are competitive between 5% to 10%. For a comprehensive understanding, visit our secured business loans guide.
What is Stock and Inventory Finance?
Application and Decision Process
The application for Stock and Inventory Finance involves submitting financial statements, inventory lists, and sales projections. The initial decision typically occurs within 1 to 4 weeks, followed by funds availability within an additional 1 to 2 weeks. Explore our streamlined process for applications through our working capital loans vs term loans post.
Regulatory Requirements
All lenders must comply with Financial Conduct Authority regulations, ensuring transparency and fairness. It's imperative for lenders to be appropriately authorized. Delve deeper into these regulations with our article on funding circle insights.
Borrowing Capacity and Rate Factors
Borrowing amounts range from £20,000 to £10 million, influenced by inventory value, creditworthiness, and sales history. Rates typically span from 5% to 15%, with additional fees like arrangement and valuation fees possibly applicable. For more nuanced discussions, check our piece on inventory management strategies.
