About MerchandiseLending.com

At MerchandiseLending.com, we draw on a proven network with decades of asset-based lending experience to connect growing businesses with the right capital solutions. Where traditional banks hold every application to the same rigid checklist, we know which lending programs look past it, and we match you with the one that fits. So whether you are scaling rapidly, managing seasonal shifts, purchasing equipment, or refinancing existing debt, we can help you find the financing that fits your business.

Our lending partners have provided multi-million-dollar inventory lines to retailers, wholesalers, manufacturers, and distributors.

The flagship product we arrange is a revolving inventory line of credit from $2 Million to $10 Million, designed to turn saleable merchandise into working capital. Unlike revenue-based funding or costly merchant cash advances, an inventory-backed line scales alongside your stock levels and provides cash flow that adapts to your sales cycle. It's built for retailers, e-⁠commerce brands, wholesalers, and manufacturers who need flexible capital to bridge cash flow gaps and fuel growth.

Here's how working with us goes:

1. Talk With a Lending Specialist: Send the short form or call us, and a lending specialist will be in touch within one business day to talk through your goals.
2. Get Matched With the Right Lending Program: We know which lending programs say yes to businesses like yours and match you with the one that fits, so you don't have to search on your own.
3. Pay Nothing Extra for Our Help: Our lending partners pay for our service out of the fees they already charge, so your rate and fees are the same as if you went to the lender directly.
4. Stay in Control: You'll see the terms before you sign anything, nothing is binding until you choose to sign, and your lender is named in your financing agreement.