Stock and Inventory Finance

Stock finance, sometimes referred to as inventory finance, is a short-term funding solution that enables businesses to buy stock or raw materials without paying the full cost upfront. Rather than waiting for cash reserves to build, you can access the funds needed now and repay the cost as the stock sells through.

This type of finance is particularly useful for retailers, wholesalers, manufacturers and e-commerce businesses that rely on consistent inventory to meet customer demand and generate revenue.

1. Apply in Minutes

During the application, lenders typically request:

• Basic business information
• Six months of business bank statements
• Your most recent year-end accounts
• Details of the stock you plan to purchase

With accurate financial information, the process is quick and straightforward.

2. Lender Assessment

As an unsecured product, lenders assess factors such as:

• Trading performance and revenue patterns
• Monthly cash inflows and outflows
• Stock turnover speed
• Profit margins and seasonal trends
• Affordability and repayment capacity

This enables lenders to understand how quickly the stock you are buying will convert back into business revenue.

3. Repayments

Stock finance usually includes:

• Short-term repayment periods
• Fixed daily, weekly or monthly instalments
• Interest rates based on financial performance and risk
• Clear, predictable repayment structures

Repayments are designed to align with the pace at which your stock sells through, supporting cashflow stability without restricting growth.

Stock finance is most effective when your business is performing well but needs additional funding to buy new or increased levels of inventory. Common scenarios include:

• Preparing for seasonal demand peaks
• Taking advantage of bulk supplier discounts
• Launching new product lines
• Responding to unexpected surges in customer demand
• Maintaining stock levels while managing cashflow constraints
• Covering upfront supplier payments
• Supporting e-commerce growth during sales periods

It provides a practical, short-term solution that helps maintain stock availability and protect revenue during busy trading periods.

Stock finance may be the right solution if:

• You run a business where inventory is essential to generating revenue
• You want to maintain stock levels without tying up cash
• Your business experiences seasonal fluctuations in demand
• You want to increase order volumes to access better supplier pricing
• You need fast, flexible funding to keep operations moving

It is particularly well suited to retail, wholesale, e-commerce and manufacturing businesses with consistent trading performance.