^Stock Finance for Convenience Stores - Get a Quote

Inventory loans are commonly used by convenience stores looking to buy inventory in bulk, particularly ahead of busy seasons. These loans usually range from £10,000 to £250,000, with annual percentage rates from 6% to 12%. Application requires financial statements and business performance reports. The lender will assess inventory value and sales forecasts to tailor the loan amount. Typical uses include buying essential grocery items, drinks, and cleaning supplies.

Revolving credit facilities offer ongoing access to funds, ideal for day-to-day restocking or emergencies. With limits from £5,000 to £100,000, these facilities suit convenience stores with at least £50,000 in annual revenue and a good credit history. Variable interest applies, starting at 5%. Once approved, stores can manage inventory flexibly, drawing funds as stock opportunities arise, and repaying as items sell through.

Trade credit solutions help convenience stores manage payments by negotiating delayed terms directly with suppliers. No fixed borrowing limit applies; terms are based on supplier relationships. This can improve cash flow and allow access to local produce or packaged goods without immediate outlay. Often, trade credit is included within supplier pricing, so there may not be obvious interest charges, but payment discipline is key to maintaining trust and favourable terms.