Inventory Line of Credit

We specialize in connecting businesses with asset-based revolving lines of credit backed by the value of your saleable inventory, turning the stock on your shelves and in your warehouse into working capital. We're one of the few places to find inventory lines of credit from $2 Million to $10 Million designed for retailers, e-⁠commerce brands, wholesalers, and manufacturers with dynamic capital demands, giving small businesses access to financing normally reserved for large corporate interests. More scalable than revenue-based funding and cheaper than a merchant cash advance, an inventory line lets your available credit grow as your merchandise stock expands, with the flexibility to draw and re-draw funds as inventory sells.

Four reasons it works for seasonal, high-growth, or younger businesses:

1. Greater Accessibility & Scalability: Securing capital against tangible inventory often unlocks higher credit limits than unsecured options. As your inventory grows, more becomes available to draw, up to your approved limit, and lenders can raise that limit case by case, typically as your inventory rises in value.
2. Flexible Cash Flow: Unlike rigid bank amortization schedules or fixed merchant cash advance payments that choke cash flow, these facilities align directly with your inventory movement to protect operational capital.
3. Underwriting Flexibility: Private lenders operate outside the rigid rules of traditional banks, so underwriting is far more adaptable and the path to funding more direct.
4. Seamless Compatibility: Because these lines are backed by your inventory, they can often be obtained alongside factoring or accounts receivable financing.