FINANCE OPTIONS

^Stock Funding - Get Approved Today

Q: What is the minimum and maximum you can borrow with stock funding?

Stock funding is typically available from £10,000 up to £5,000,000. The amount your business can borrow depends on the value of your inventory, your business credit profile, and, in some cases, the size of your purchase orders.

Q: How long does approval for stock funding take?

The initial decision is usually given within 7 to 14 days after you submit your application. Once approved, funds can reach your business in 1 to 3 weeks, depending on how quickly documents are finalised and assessed.

Q: What factors affect stock funding interest rates?

Rates typically range from 1.5% to 15%. Your business credit score, the market demand for your stock, and a lender’s risk assessment are key factors influencing the rate you are offered.

Q: What are the main types of stock funding for UK SMEs?

The main stock funding types are inventory financing, purchase order financing, and asset-based lending. Each is designed for different business needs, purchase sizes, and collateral options.

Stock funding is a practical finance solution for UK SMEs needing to purchase inventory or raw materials. By allowing the stock itself to serve as collateral, this type of funding enables businesses to acquire the goods they need without tying up cash. Stock funding helps improve cash flow, keeps shelves stocked, and ensures companies are ready to meet customer demand. This facility can help manage working capital more efficiently, making sure growth opportunities are not missed due to limited up-front funds.

Stock Funding

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Key ^Benefits of Stock Funding

Stock funding offers a flexible way for businesses to manage inventory and cash flow without large capital outlays. With tailored terms and a range of finance types, it can support growth and operational agility. Decisions and funding are often provided quickly, enabling businesses to react to changing market needs.

Access to capital

Increased liquidity

Ownership flexibility

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Stock Funding

Inventory Financing

Inventory financing lets businesses use their existing or anticipated stock as security for a loan or line of credit, ideal for covering purchase costs during busy periods.

Inventory Financing

This option is typically available to established UK businesses with at least two years’ trading and a proven sales record. Borrowing ranges from £10,000 to £500,000, usually over 3 to 12 months. Lenders assess your stock and sales history before advancing funds so you can replenish or buy more inventory quickly. It is well-suited to retailers, wholesalers, and businesses facing seasonal demand spikes.

Purchase Order Financing

For UK SMEs with confirmed purchase orders from reliable customers, this funding provides the capital needed to fulfil large or unexpected orders.

Purchase Order Financing

Purchase order financing is aimed at businesses with significant or new orders from creditworthy buyers but lacking the cash to fulfil them. Amounts typically range from £20,000 to £1,000,000 for up to 6 months. Lenders usually pay suppliers directly, letting you deliver goods without strain on working capital. This is ideal for manufacturers or firms handling large contracts.

Asset-Based Lending

Businesses with valuable inventory or other assets can use them as collateral to secure larger or longer-term funding for growth or operational needs.

Asset-Based Lending

Asset-based lending allows UK firms to unlock funds tied up in inventory, equipment, or other assets. Typical facilities start at £50,000 and reach up to £5,000,000, with terms from 6 to 36 months and annual interest rates between 5% and 15%. It works well for sectors holding substantial stock, such as automotive or electronics.

Typical Funding Journeys on Funding Agent

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How to Secure Stock Funding with Funding Agent

Assess Your Needs

Consider what inventory you need to purchase and calculate the finance required using our online application form for your next stage of growth.

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Review stock funding options from a wide panel of UK lenders, matched to your specific trading profile and business goals.

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Complete your application online, upload key documents, and get guidance throughout the approval process to help access the best finance for your needs.

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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

What is the minimum and maximum you can borrow with stock funding?

How long does approval for stock funding take?

What factors affect stock funding interest rates?

What are the main types of stock funding for UK SMEs?

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^Stock Funding - Get Approved Today

Key ^Benefits of Stock Funding

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Stock Funding

Inventory Financing

Inventory Financing

Purchase Order Financing

Purchase Order Financing

Asset-Based Lending

Asset-Based Lending

Typical Funding Journeys on Funding Agent