Big‐Business Inventory Financing. Built for Small Business.
We're one of the few places to find revolving inventory lines of credit
from $2 Million to $10 Million, giving small businesses access
to financing normally reserved for large corporate interests.
Many lenders won't show rates and fees until you apply. Each product page shows them upfront because transparency respects your time. Your lender sets the final terms in your financing agreement.
A revolving line of credit backed by the value of your saleable inventory - on your shelves, in a warehouse, or at an Amazon FBA facility.
A lump-sum loan collateralized by future receivables, with no hard assets pledged.
A revolving line of credit for business owners who want capital fast, without pledging hard assets.
The equipment your business needs is the collateral - financed or leased over terms up to 5 years.
Our lending partners can say yes where banks say no. Our inventory line of credit customers are often ineligible for traditional bank loans for a variety of reasons:
The flagship product we arrange, an Inventory Line of Credit, turns your saleable inventory into working capital, whether it's on your shelves, in a warehouse, or at an Amazon FBA facility. Use it to:
Applying is free and commits you to nothing. Send the short form or call us, and a lending specialist will be in touch within one business day.
We connect you with private lenders, not banks bound by rigid lending rules, so underwriting is more flexible.
Short-term loans and business lines of credit can fund in as little as 24 hours. Equipment financing usually closes in 1 to 3 weeks. Inventory lines typically take a month or more to close due to the need for an independent appraisal.
Our inventory lines of credit are tailor-made for businesses like:
If your capital is tied up in fast-turning or seasonal stock, and banks aren't keeping up, our lending partners can.
Selling direct to customers, or on platforms like Amazon or Shopify? We help turn warehouse stock into working capital.
Already using accounts receivable lines or factoring? Let us unlock the power of your inventory too.
Whether you're managing seasonal peaks, launching a new product, or navigating volatility, we have funding options that can help.
Most of what business owners ask before applying - who qualifies, how much you can borrow, and how the process works - is answered below. If anything is still unclear, we're happy to talk it through.
Not a cent. Our lending partners pay for our service out of the fees they already charge, so your rate and fees are exactly the same as if you went to the lender directly, never higher. What you gain is a lending specialist in your corner who knows which lending programs say yes to businesses like yours, helps prepare your application, and matches you with the program that fits, so you don't have to search on your own. Your lender makes the final credit decision and is named in your financing agreement.
Financing runs from $10 Thousand to $10 Million, depending on the product: short-term loans from $10 Thousand to $1.5 Million, business lines of credit from $10 Thousand to $500 Thousand, equipment financing from $10 Thousand to $5 Million, and inventory lines of credit from $2 Million to $10 Million. Short-term loans and business lines of credit are generally sized at 10% to 15% of gross annual revenue.
Usually not. Inventory line of credit applications typically don't involve a credit pull, though a lender may still run one. Applying for a short-term loan or business line of credit uses only a soft pull, which doesn't affect your score. On some larger equipment financing deals a lender may run a hard pull, but only after you've been approved and chosen to move forward, and always with notice first.
Our inventory lines of credit are built for retailers, e-commerce brands, wholesalers, and manufacturers that carry saleable inventory. Short-term loans, business lines of credit, and equipment financing are open to a wide range of established businesses. Lenders do restrict some industries, so if you're unsure whether yours qualifies, your lending specialist can tell you right away.
A lending specialist will be in touch within one business day to talk through your goals and match you with the right lending program. From there:
Inventory lines of credit: you'll send your application and financials, and the lender typically responds with a term sheet within a couple of days. Once you sign it, underwriting begins, including an independent appraisal and field exam of your inventory. Upfront fees of about $35,000 apply only to inventory lines of credit and cover legal work, due diligence, the appraisal and field exam, and UCC filings; the other products have their own fees, shown on each product page. Closing typically takes a month or more.
Short-term loans and business lines of credit: you'll see the amount, term, and payment before you sign anything. Decisions often come the same day, and funding can follow in as little as 24 hours.
Equipment financing: approvals often come in 24 to 48 hours, the lender pays your equipment vendor directly, and deals usually close in 1 to 3 weeks.
It depends on the product. You'll receive a checklist of exactly what's needed, and your lending specialist will help you through the process from start to finish.
Inventory lines of credit: because these are larger facilities, lenders look more closely. Expect to provide a detailed inventory report by item and cost (in Excel), your year-end financial statements for the last three years (or for as long as you've been in business), year-to-date financials compared with the same period last year, 12-month projections, current receivable and payable agings, and a personal financial statement for each owner of 20% or more.
Short-term loans and business lines of credit: usually just a short online application, your last four months of business bank statements, and ID verification.
Equipment financing: for smaller purchases, usually just a one-page application and your equipment invoice, quote, or bill of sale. Larger requests may call for tax returns or financial statements.
Contact us today to learn how a credit facility that grows with your inventory can set you on the path to success.
