FINANCE OPTIONS

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.

Stock and Inventory Finance

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

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  • 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.

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Improves cash flow
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Reduces holding costs
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Enhances inventory accuracy

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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.

Inventory Loans

Inventory Loans offer rapid access to funds for businesses looking to acquire additional inventory to meet sudden demand. The decision process takes between 1 to 2 weeks following a detailed inventory submission and valuation. Suitable sectors include retail and manufacturing. Explore further with our page on quick business finance.

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.

Stock Financing Agreements

These agreements provide necessary capital ahead of peak sales periods with approval times from 2 to 4 weeks. Frequent users are hospitality and retail sectors dealing with seasonality. To understand the benefits and applications, view our discussion on inventory turnover.

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.

Asset-Based Inventory Financing

This financing option supports large-scale inventory purchases and extended supply chain costs. The application process includes a thorough assessment of inventory and business viability, often within 4 to 8 weeks. Common sectors include manufacturing and technology. Learn more with our insights on just-in-time management.

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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.

Borrowing Capacity and Rate Factors

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.

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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.
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FAQ’S

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DIVE DEEPER

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Compare asset finance and invoice finance for UK SMEs. Learn how each works, costs, benefits, and sector use cases, with Funding Agent’s calculators.

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