Capital for inventory
that hasn't earned yet.
Fund container deposits, ecommerce pre-buys, retail opening inventory, and B2B stocking purchases. From $25K working capital structures to $3M asset-backed lines.
- Working capital or asset-backed
- Container + import cycles
- $25K to $3M positions
- Repayment tuned to sell-through
Risk-free, no-commitment application. No hard credit pull to check options.
$10B+ deployed
Across 50 states
24-hour approvals
Most offers same-day
Direct lender
Not a broker
No upfront fees
Zero application cost
Inventory is the longest-duration capital in most businesses.
Every product business shares the same structural arithmetic. Cash leaves the operating account when you commit to inventory. Cash comes back only when that inventory sells. Between those two events sits a duration — frequently 60, 90, or 180 days — during which the capital is locked. For a retailer or ecommerce operator growing 20% to 50% year over year, the working capital required to fund that duration grows in lockstep. The single most common cause of cash crisis in growing product businesses is not a margin problem, not a customer problem, not a hiring problem — it is the working capital required to inventory the growth.
The traditional answer to this problem was bank inventory lines secured by UCC-1 against specific identified stock, with field exams, borrowing base certificates, and quarterly reviews. Those products still exist but the underwriting overhead has pushed minimum facility sizes north of $2M to $5M at most institutions. For an ecommerce brand committing $300K in inventory to a quarterly Amazon push, or a specialty retailer opening a second location with $150K of opening stock, the bank inventory line is structurally unavailable. We built two products to fill the space.
Working capital structured for inventory
The fast structure: a working capital advance sized against trailing revenue with the funded amount calibrated to a specific inventory commitment. No UCC against the inventory itself. Underwriting weighs platform sales data — Amazon settlement reports, Shopify dashboards, Stripe and Square history — alongside bank deposits. The funded amount lands in your operating account, you wire your supplier or pay your PO, and the inventory ships. Repayment runs through daily debits over 4 to 12 months, calibrated to the sell-through cycle. We close these files in 24 to 72 hours.
Asset-backed inventory lines
The slower but cheaper structure: an asset-backed inventory line where we file a UCC-1 against your inventory, advance 50% to 70% of inventory cost, and operate the facility on a borrowing-base model. Initial setup takes 7 to 14 business days. Individual draws against the line fund in 1 to 3 days. Pricing is meaningfully lower than working capital because the collateral is concrete. Asset-backed lines fit operators with inventory commitments north of $500K running on a stable cycle. We frequently start operators on a working capital structure and migrate them to an asset-backed line as commitment sizes scale.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
From PO to wired supplier in under a week.
- 01
Send the inventory plan
The supplier PO, container booking, or buildout inventory list. Plus the sales channel data: Amazon, Shopify, Stripe, or bank merchant processing.
- 02
Choose the structure
Working capital for speed and size flexibility; asset-backed for larger commitments and lower pricing. We model both for files that qualify for both.
- 03
Underwriting in one business day
Bank statements, platform sales reports, ID. Approval terms back the same day on working capital files; 5-7 days on asset-backed setup.
- 04
Funds wire to you or the supplier
Working capital wires to your operating account. Asset-backed lines can wire suppliers directly under purchase order assignment.
From containers to opening inventory.
Importer cycle financing is its own product. The dynamic is unique: you wire a 30% factory deposit on a PO, wait 60 to 90 days for production, wire the 70% balance against bill of lading, wait another 30 to 45 days for ocean freight, customs clearance, and warehouse arrival. Total elapsed time from first wire to first sellable unit is typically 4 to 6 months. We fund both the deposit and the balance-against-BOL, with repayment scheduled to begin once goods land. The duration of the cycle is built into the term. Importers in furniture, electronics, apparel, housewares, and consumer goods use this structure routinely. We have funded individual container deposits from $30K up to PO sizes of $1.5M+.
Ecommerce inventory pre-buys are the fastest-growing category we see. Amazon FBA sellers running quarterly inventory pushes against Q4 demand, Shopify brands buying spring collections against documented sell-through history, DTC operators stocking against marketing-driven launches. We underwrite from platform data — Amazon's monthly settlement reports are particularly clean and we have built underwriting templates against them — alongside operating bank statements. Funded amounts scale from $25K for early-stage sellers up to $2M+ for established multi-SKU brands. Repayment is sized against the actual platform settlement velocity rather than calendar amortization.
Retail buildout opening inventory
A new retail location's opening inventory load is one of the largest single capital commitments in any buildout. A specialty retailer opening a second location frequently faces $80K to $250K of opening stock that must be on the floor when the doors open — pre-revenue, pre-cash flow, against a buildout budget that has already absorbed lease deposits and improvements. Bank lenders generally refuse to finance pre-revenue inventory. We fund opening inventory against the existing locations' revenue and a documented opening plan. Debits typically begin 30 to 60 days post-open, giving the new location time to start generating before repayment starts pulling.
B2B and distributor stocking
Distributors and B2B suppliers face inventory cycles measured in quarters rather than weeks. Auto parts distributors, industrial supply houses, restaurant supply distributors, dental and medical disposables, and building materials all carry SKU counts in the thousands with replenishment cycles that demand constant working capital. We fund B2B inventory both as working capital lines tied to trailing revenue and as asset-backed structures secured against the warehouse inventory. The asset-backed structure is particularly efficient for distributors because inventory turns are documented and the borrowing-base mechanics fit the business model cleanly.
See what you could qualify for.
A real-time indicator based on monthly revenue and time in business. Apply for an exact offer in under five minutes.
Conservative
$42,000
Likely offer
$53,813
Upper range
$65,625
Estimates only — actual offers depend on full underwriting.
Questions worth answering.
Related funding and reading
Working Capital Loans
The base structure behind fast inventory funding.
Seasonal Financing
Q4 inventory pre-buys with peak-aligned repayment.
Equipment Financing
When the asset is fixed equipment rather than inventory.
Retail Funding
Specialty retail, multi-unit groups, and category-specific inventory cycles.
Ecommerce Funding
Amazon FBA, Shopify, and DTC inventory pre-buys.
Financing Your Container Cycle
Practical math behind importer cycle funding.
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