Hold the stock your customers want, when they want it.
Buy stock in volume to secure better unit pricing, hold seasonal inventory ahead of peak, or finance a one-off bulk purchase. Stock finance keeps shelves full without draining working capital.
Common scenarios
- Pre-ordering Christmas stock in summer
- Taking advantage of a one-off bulk discount from a supplier
- Funding raw materials for a confirmed manufacturing order
- Building inventory ahead of a new product launch
How it works
- Tell us what stock you're buying and your typical sell-through cycle
- We match you with a lender comfortable with your inventory profile
- Agree a facility that aligns repayments with expected sell-through
- Funds released to you or paid direct to the supplier
At a glance
- Typical amount: £25,000 – £1,000,000
- Typical term: 3 – 24 months
- Speed: 48 – 72 hours from full information
Recommended products
- Business Loans
- Refinance
Frequently asked questions
Is the stock used as security?
Sometimes. For larger facilities, lenders may take a charge over inventory. For smaller deals it's usually unsecured against the business and a director's guarantee.
Can I use this for international supplier orders?
Yes. We can arrange trade finance or import finance that pays your overseas supplier in their currency.
What if I don't sell through as fast as planned?
Most stock facilities have a 6–12 month minimum term with the option to extend.