Seamless in-transit financing solutions designed to optimize cash flow, reduce delays, and keep your supply chain moving efficiently from start to finish.
Built for businesses managing complex logistics and shifting timelines, this financing solution unlocks capital tied up in goods while they’re in transit—keeping your cash flow steady and your supply chain moving from origin to destination.
Access working capital tied up in inventory that’s in transit—no need to wait for delivery or sale to fund operations and growth.
Bridge long lead times and global shipping delays with financing that keeps your supply chain moving and your cash position strong.
Manage cash flow more predictably across borders and timelines with financing tailored to your supply chain cycle
Ideal for businesses managing long transit times, global shipments, or inventory delays, in-transit financing unlocks capital tied up in goods on the move—ensuring steady cash flow and uninterrupted operations from origin to destination.
Access capital tied up in goods while they’re in transit to keep your operations running smoothly and cash flow strong.
Bridge the gap between shipment and delivery—fund your supply chain without waiting for goods to arrive or sell.
Unlike traditional loans, in-transit financing adapts to your shipping and inventory cycles, giving you funding when you need it most.
Tap into new capital without affecting your current debt structure or borrowing capacity.
Secure financing quickly with streamlined approvals based on the value of in-transit inventory—not your credit score.
Stay financially agile across borders—ideal for importers, exporters, and businesses with long international shipping timelines.
In-transit financing is a working capital solution that lets you borrow against the value of goods while they’re being shipped. It helps improve cash flow, reduce delays, and keep your supply chain moving—so you can operate smoothly without waiting for inventory to arrive.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
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In-transit financing is a working capital solution that provides funding based on the value of goods currently being shipped. It allows businesses to access capital before inventory is received—bridging the gap between production and delivery.
A lender advances funds against goods that are in motion, using documentation such as purchase orders, invoices, or bills of lading. Once the goods are delivered or sold, the financing is repaid, often from sales proceeds or an ongoing credit facility.
This solution is ideal for importers, exporters, manufacturers, distributors, and wholesalers—particularly those with global or long-lead-time supply chains. It’s commonly used in industries like retail, consumer goods, automotive, and electronics.
Improves cash flow while goods are en route
Reduces strain from long shipping or production cycles
Allows for earlier supplier payments or bulk purchases
Supports seasonal builds and just-in-time inventory strategies
Helps avoid delays in fulfillment or production due to cash constraints
Typically required documentation includes purchase orders, bills of lading, supplier invoices, and shipping details. Some lenders may also require proof of insurance or contracts with end buyers.
Not exactly. Purchase order financing provides capital based on confirmed customer orders (usually before production), while in-transit financing applies once the goods are in shipment. They can be used together as part of a supply chain finance strategy.
In-transit financing can also be referred to as:
Goods-in-Transit Financing
Transit Inventory Financing
Supply Chain Shipment Financing
Logistics-Based Financing
In-Motion Working Capital
Pre-Inventory Financing
