Maximize your business’s growth potential by leveraging your existing inventory for immediate financial flexibility and opportunity.
Built for businesses navigating the dynamic challenges of today’s market, this financing solution leverages your inventory assets to unlock working capital and keep your supply chain moving—exactly when you need it.
Free up cash by leveraging your existing inventory—no need to wait for sales or disrupt operations to access working capital.
Scale confidently by financing your inventory needs without taking on dilutive funding or long-term debt obligations.
Keep inventory levels high and fulfill large orders without delaying payments or straining supplier terms.
Ideal for companies looking to maintain strong inventory levels, meet rising demand, or unlock capital tied up in goods, inventory financing turns your stock into a powerful source of working capital—so you can grow without slowing down.
By securing financing against inventory, businesses can convert stock into cash without having to wait for sales.
Easing financial pressures enables your business to make strategic decisions without cash flow or reimbursement uncertainties.
Inventory financing boosts purchasing power, facilitating bulk discounts, efficient restocking, and product line expansion.
Advance rates can be up to 90% of the net orderly liquidation value of your inventory, helping you maximize the amount of inventory we can finance.
It’s easier to qualify for inventory financing than for traditional loans since the inventory serves as collateral.
Unlike traditional loans with fixed limits, inventory finance facilities are based on the current value of your inventory, offering scalable financing that grows with your business.
Inventory financing is a strategic funding solution that allows businesses to leverage the value of their existing or incoming inventory to access working capital. This enables companies to purchase stock, meet demand, and drive growth—without tapping into cash reserves or sacrificing equity.
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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Inventory financing is a type of asset-based lending that allows businesses to use their existing or incoming inventory as collateral to access working capital. It helps companies purchase, hold, or replenish stock without tying up cash reserves.
A lender evaluates the value of your inventory and provides a loan or line of credit based on a percentage of that value. As inventory is sold or replenished, the financing adjusts accordingly—allowing businesses to maintain consistent access to capital.
Inventory financing is ideal for businesses with significant stock needs, including retail, wholesale, manufacturing, consumer goods, and seasonal or high-growth companies. It’s particularly useful for businesses that need to purchase large volumes of goods in advance of sales.
Frees up working capital for operations or growth
Supports seasonal and demand-driven inventory cycles
Enables bulk purchasing or supplier discounts
Helps maintain stock levels without cash flow strain
Scales with business inventory needs
Lenders typically advance a percentage of the inventory’s market or liquidation value (often 50–80%), depending on the type, condition, and turnover rate of the goods.
It can be structured either as a term loan (based on existing inventory) or as a revolving line of credit that adjusts as inventory is sold and replenished.
Inventory financing can also be referred to as:
Inventory-based lending
Stock financing
Goods-in-stock financing
Inventory-backed loan
Asset-based inventory lending
Working capital financing (when tied to stock)
Purchase order financing (if linked to incoming inventory)
