Top 10 Stock Finance Lenders for Convenience Stores in 2026
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Stock Finance for Convenience Stores: Top 10 Lenders Compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Established convenience stores purchasing stock from international suppliers | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Waylog | Larger convenience chains with high-volume stock purchasing needs | £15,000 to £500,000 | interest 1.5% to 2.5% monthly |
| 3 | Teybridge | Well-established convenience stores needing large stock finance facilities | From £250,000 | interest 6% to 13% annually |
| 4 | Novuna | Smaller convenience stores buying UK wholesale stock on flexible terms | £10,000 to £5,000,000 | interest 4.5% to 12.5% monthly |
| 5 | Revolve | Independent convenience stores with straightforward stock finance needs | £25,000 to £300,000 | interest 7% to 15% annually |
| 6 | Skipton Business Finance | Mid-sized convenience stores combining stock and invoice finance | £25,000 to £5,000,000 | interest 5% to 12% annually |
| 7 | HSBC Bank | Convenience stores seeking a traditional bank-backed stock lending option | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 8 | 4syte | Newer convenience stores needing asset-based stock funding solutions | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 9 | Ultimate Finance | High-turnover convenience stores importing stock from overseas suppliers | £10,000 to £10,000,000 | interest 6.5% to 14% annually |
| 10 | TradeBridge | Convenience stores wanting early payment terms with UK wholesalers | Up to £5,000,000 | interest 4% to 10.5% monthly |
Stock finance lets convenience stores purchase inventory from suppliers without using their own cash reserves. A lender pays the supplier directly, the stock arrives on your shelves, and you repay once you have sold it through. For convenience stores on slim margins, this keeps shelves full of fast-moving lines like drinks, snacks and tobacco, without draining the working capital needed for rent, wages and utilities. A facility around £50,000 covers seasonal stock builds ahead of summer trading or Christmas peaks.
Choosing the right stock finance lender means looking beyond the headline interest rate. Compare the advance rate on each supplier invoice, as convenience stores often need 80 to 90 per cent funding. Check whether the facility covers UK wholesalers, because most convenience stock comes from domestic cash-and-carry networks. Review how quickly funds reach your supplier, since stockouts during peak trading cost sales. Finally, confirm the minimum purchasing volume required, as lower thresholds suit smaller independent shops better.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Treyd
Published loan range£15,000 to £1,000,000
Rate typeinterest 1.4% to 2.5% monthly
Overview: Funding in as little as 24 hours helps convenience stores restock quickly when supplier payments are due. Treyd advances payment directly to suppliers, so shelves stay full without draining working capital. This is a purchase-order-led facility, meaning the transaction itself drives the funding rather than a fixed loan term.
Best next step: See if Treyd can fund your next stock order.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Fast supplier payments in 24 hours
- Funds stock without upfront cash
- Flexible facility from £15,000
Need to know
- Requires purchase orders from suppliers
- Monthly interest from 1.4%
- Best for B2B supply chains
Expert take
Treyd sits at the faster end of trade finance, funding supplier invoices directly rather than lending against general business metrics. For convenience stores with reliable suppliers and steady turnover, the purchase-order model aligns neatly with restocking cycles.
Source:https://www.treyd.io/
Waylog
Published loan range£15,000 to £500,000
Rate typeinterest 1.5% to 2.5% monthly
Overview: Monthly interest from 1.5% keeps borrowing costs predictable for convenience stores funding regular stock purchases. Waylog pays suppliers upfront and the store repays over the trading cycle, aligning repayment with cash coming in from sales. Approval depends on supplier strength and purchase order quality, not just the store's credit profile.
Best next step: Check Waylog rates for your next stock run.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Competitive monthly rates from 1.5%
- Direct payment to suppliers
- Facilities up to £500,000
Need to know
- Supplier strength affects approval
- Monthly interest from 1.5%
- Trade cycle determines repayment
Expert take
Waylog funds the gap between supplier payment and customer sales, suiting convenience stores with regular stock turnover. The monthly pricing model is transparent for businesses that restock frequently.
Source:https://waylog.com/
Teybridge
Published loan rangeFrom £250,000
Rate typeinterest 6% to 13% annually
Overview: Facilities start at £250,000, suiting established convenience stores and multi-site operators that need substantial stock funding. Teybridge charges annual interest rather than monthly, which can simplify cost comparison against longer-term borrowing. Funding decisions look at the whole supply chain, not just credit scores.
Best next step: Explore Teybridge for larger stock facilities.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual interest from 6%
- Facilities from £250,000
- Whole-supply-chain assessment
Need to know
- Minimum facility of £250,000
- Funding takes around 48 hours
- Annual rate quoted 6% to 13%
Expert take
Teybridge structures facilities around the full supply chain rather than individual transactions. For multi-site convenience retailers turning over substantial stock volume, the annual pricing and higher facility floor make sense.
Novuna
Published loan range£10,000 to £5,000,000
Rate typeinterest 4.5% to 12.5% monthly
Overview: A named stock finance product rather than general trade finance gives convenience stores a facility purpose-built for inventory purchasing. Novuna funds stock from £10,000 to £5 million, covering single-shop orders through to multi-branch restocking. Security requirements and trading history checks apply, which is typical for dedicated stock facilities.
Best next step: See Novuna stock finance terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Dedicated stock finance facility
- Funding from £10,000
- Decisions within 24 hours
Need to know
- Monthly interest from 4.5%
- May need trading history
- Security requirements may apply
Expert take
Novuna is a well-established lender with a specific stock finance product, which means the facility terms are designed around inventory rather than general cash flow. Convenience stores benefit from a product that matches how wholesale stock purchasing actually works.
Revolve
Published loan range£25,000 to £300,000
Rate typeinterest 7% to 15% annually
Overview: Revolving credit gives convenience stores the freedom to draw, repay and redraw as stock needs change across seasons. Revolve's facility ranges from £25,000 to £300,000 with annual interest from 7%. Bear in mind that limits can be reviewed or adjusted, and costs may rise with heavier usage.
Best next step: Check Revolve's revolving stock facility.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Draw and repay as needed
- Annual interest from 7%
- Seasonal stocking flexibility
Need to know
- Annual rate 7% to 15%
- Limits can be reviewed
- Trading history required
Expert take
Revolve's revolving credit mirrors how convenience stores buy stock: in bursts, not straight lines. Drawing only when needed and repaying as sales come in suits seasonal or promotional stock builds better than fixed-term loans.
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Skipton Business Finance
Published loan range£25,000 to £5,000,000
Rate typeinterest 5% to 12% annually
Overview: Same-day access to invoice-linked funding lets convenience stores turn sales into immediate stock-buying power. Skipton's stock and inventory finance product covers £25,000 to £5 million, with confidential invoice discounting releasing cash within 24 hours of raising invoices. The facility depends on invoice quality and debtor concentration, so it suits stores with reliable B2B sales.
Best next step: View Skipton's inventory finance options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Same-day invoice funding access
- Confidential discounting available
- Annual rates from 5%
Need to know
- Invoices needed for funding
- Debtor quality is assessed
- Annual rate 5% to 12%
Expert take
Skipton Business Finance brings invoice discounting into the stock finance conversation, which works well for convenience stores that sell to other businesses or have wholesale accounts. The confidential model means customers never know the facility exists.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: High-street bank backing brings familiar relationship management and the reassurance of a regulated institution. HSBC's asset-based lending product funds stock purchases from £1,000 to £300,000, using existing business assets as security. Underwriting is stricter than alternative lenders, and the process may take longer for first-time applicants.
Best next step: Explore HSBC asset-based lending.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Regulated high-street lender
- Asset-based stock funding
- Established relationship management
Need to know
- Stricter bank underwriting
- Security against business assets
- Annual rate 8.6% to 11.3%
Expert take
HSBC is familiar to convenience store owners who bank on the high street. Asset-based lending lets stores borrow against existing assets to fund stock, with the reassurance of a regulated institution behind every facility.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: Asset-based lending unlocks the value tied up in stock and other business assets to fund further inventory purchases. 4syte advances £26,000 to £3 million against asset value, with monthly interest from 3%. An asset valuation is required, and the facility is secured, so it suits stores with tangible assets on the balance sheet.
Best next step: Check 4syte asset-based stock funding.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Leverages existing business assets
- Monthly rates from 3%
- Decisions within 24 hours
Need to know
- Asset valuation is required
- Monthly interest 3% to 9.5%
- Secured against business assets
Expert take
4syte uses the asset base of a convenience store, stock included, to determine borrowing capacity. For stores holding significant inventory or owning fixtures and fittings, this approach can unlock more funding than cash-flow-only assessments allow.
Source:https://www.4syte.co.uk/
Ultimate Finance
Published loan range£10,000 to £10,000,000
Rate typeinterest 6.5% to 14% annually
Overview: Funding up to £10 million makes Ultimate Finance relevant for large convenience store groups and wholesale-backed retail chains. The trade finance product pays suppliers directly, with facilities starting at £10,000 and annual interest from 6.5%. Suitability hinges on invoice quality and debtor concentration, so it fits stores with established B2B supplier relationships.
Best next step: See Ultimate Finance trade funding terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities up to £10 million
- Direct supplier payment
- Annual rates from 6.5%
Need to know
- Annual rate 6.5% to 14%
- Suitability linked to invoices
- Trade finance, not cash loan
Expert take
Ultimate Finance spans a wide range, from single-shop facilities to multi-million-pound programmes for retail chains. The trade finance structure pays suppliers directly, which suits convenience stores that want funding embedded in the purchasing process.
TradeBridge
Published loan rangeUp to £5,000,000
Rate typeinterest 4% to 10.5% monthly
Overview: An early payment programme lets convenience stores pay suppliers on time and take early settlement discounts without squeezing cash flow. TradeBridge provides up to £5 million in funding with monthly interest from 4%, structuring the facility around supplier payment cycles. The revolving structure means limits can be reviewed, and costs may increase with heavier usage.
Best next step: Explore TradeBridge early payment terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Early supplier payment discounts
- Facilities up to £5 million
- Flexible drawdown structure
Need to know
- Monthly interest from 4%
- Limits can be reviewed
- Revolving credit structure
Expert take
TradeBridge frames stock funding as an early payment programme, shifting the conversation from borrowing to supply-chain efficiency. Convenience stores that capture early-payment discounts from wholesalers will find the economics particularly compelling.
Source:https://www.tradebridge.com/
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How stock finance works for convenience store inventory
Stock finance lets convenience store owners buy inventory without draining cash reserves. The lender pays your supplier directly, often covering up to 90% of the stock cost. Skipton Business Finance, for example, offers up to 90% loan-to-value on funded stock.
Once your supplier receives payment, you receive the goods and can stock your shelves immediately. You repay the lender as you sell through the inventory, typically over one to six months. This structure means repayment aligns with your sales cycle rather than a fixed monthly obligation.
For convenience stores, this is particularly useful when restocking fast-moving items like tobacco, alcohol, confectionery and soft drinks. It also helps you take advantage of bulk-buying discounts from wholesalers without tying up working capital needed for rent, wages and utilities. Most stock finance facilities are arranged on a revolving basis, so you can draw funds repeatedly as you need fresh stock throughout the year.
Typical stock finance costs and eligibility for convenience stores
The cost of stock finance for convenience stores varies by lender and trading profile. Monthly rates start from 1.4% with providers like Treyd, while annual rates range from 5% with Skipton Business Finance up to 14% with Ultimate Finance.
| Lender | Rate Range |
|---|---|
| Treyd | 1.4% to 2.5% per month |
| Waylog | 1.5% to 2.5% per month |
| Skipton Business Finance | 5% to 12% per year |
| Ultimate Finance | 6.5% to 14% per year |
| HSBC Bank | 8.6% to 11.3% per year |
Most lenders expect convenience stores to have at least one year of trading history. Turnover requirements differ: Novuna accepts businesses from £50,000, while Skipton Business Finance and 4syte look for £300,000 or more. Treyd requires £500,000 and Waylog £1,000,000. Smaller stores may find Novuna more accessible, while larger convenience stores may qualify across the full panel. Personal guarantees are standard across most providers. Homeowner status is rarely a barrier, though 4syte does list it as a requirement.
What convenience store owners should compare across stock finance lenders
When comparing stock finance providers, convenience store owners should look beyond headline rates. Facility size matters: Novuna and Ultimate Finance both accept facilities from £10,000, while Teybridge starts at £250,000, which may be unsuitable for smaller convenience stores.
Repayment terms also vary. TradeBridge offers terms from three to 18 months. Treyd and Waylog work on shorter cycles of one to six months and one to five months respectively, aligning repayment with how quickly your stock sells. HSBC Bank and Ultimate Finance offer longer terms of up to seven to ten years, though shorter-term stock finance is more common for inventory purchasing.
Check whether the lender requires a personal guarantee, as most on this list do. Also confirm the maximum loan-to-value: Skipton Business Finance offers up to 90%, while 4syte and Ultimate Finance cap it at 75%. A higher LTV means less cash needed upfront from your own reserves. Finally, confirm the facility is revolving so you can draw repeatedly as you restock throughout the year.
Using stock finance to manage convenience store cash flow
Convenience stores face distinct cash flow pressures: high stock turnover on low-margin goods, seasonal demand spikes, and the need to hold a wide product range. Stock finance helps by separating inventory purchasing from daily operating cash.
During peak periods like summer for drinks and ice cream, or winter for seasonal confectionery, a stock finance facility lets you bulk-buy ahead of demand without depleting your till float or delaying supplier payments. The lender settles supplier invoices directly, so you maintain good trade relationships while preserving cash for wages, rent and utility bills.
Stock finance also helps convenience stores manage the gap between paying wholesalers and earning revenue from sales. Because repayment aligns with your sell-through cycle, you avoid the cash squeeze that often follows large restocking orders. This is particularly valuable for stores stocking high-value items like alcohol and tobacco, where a single delivery can tie up thousands of pounds. Used strategically, stock finance turns inventory from a cash drain into a manageable working capital line.
