Use Cases

Inventory
Financing & Loans

Many businesses rely on inventory financing to order products before they sell these products. This allows them to order and get the products in hand to ensure they have enough inventory to sell their customers.

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What is Inventory Financing?

Inventory financing is a form of short-term lending using a loan or revolving credit line. Because the inventory itself can act as collateral, companies can buy the products they need to sell at a later time. This gives them more flexibility in buying seasonal products they know will sell later, but they need to purchase it from the supplier before then.

How Inventory Financing Works

Businesses get inventory loans to buy products that they can put in the warehouse before it goes out to retailers or sells from an online store. A type of asset based financing, these loans help smaller companies especially when they need to purchase items to sell or supplies to make items to sell.

Use Cases

How To Use Inventory Financing

Getting an inventory loan can help a business with cash flow issues that arise when they need to make big inventory purchases from suppliers. There are plenty of ways to use business inventory loans.

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  • Expand Product Lines

    Want to add new items to your stock? Inventory loans help you expand product lines so you can offer new options to your customers.

  • Meet Seasonal Demands

    Having products on the shelves is critical during certain seasons. Inventory loans help you get the right products in stock before the season arrives.

  • Reduce Costs From Other Areas of Your Business

    It's important to keep cash flowing in the right directions so your business can run smoothly. By using inventory business loans you can keep payroll and other operations on track.

Why Apply for an Inventory Loan?

Meet Customers' Needs

Businesses need to have product on hand that meets their customers' needs. Small business inventory loans give companies the cash flow they need.

Increase Sales Channels

Selling products online, in store, and through other sales channels ensures that the inventory you buy won't go to waste. Inventory loans help you increase your sales channels.

Invest in an Inventory Management System

Managing inventory takes a lot of time and effort. The right inventory management system simplifies this process and saves you hours of time.

Minimum Eligibility Requirements

To qualify for a business inventory loan, companies need to meet certain criteria. Here are the minimum requirements to get an inventory loan.

Minimum Requirements
Time in Business Minimum 6 Months
Business Annual Growth Revenue $150K + Annual Revenue
Business Checking Account Yes
US Citizen/Based Company Yes
FICO Score 500+
Collateral None
Other Financing None
Bankruptcies None open

Better Your Business With Fora Financial

  • Grow Your Business

  • Meet Customers' Demands

  • Increase Sales

  • Improve Management of Inventory

  • Buy New Inventory

  • Pay for Necessary Tools

What Fora Financial customers say

Services Business Loans
"I didn't have any capital or line of credit to start with, so I applied to Fora Financial for a loan. The team was easy to work with. Fora's products can help small businesses weather ripples in the economy that might otherwise be a serious problem."
Debra Heim
Very Best Little Hairhouse, Sharon, PA
Revenue Advance
"We couldn't do it without the help of Fora Financial, and the people there are just tremendous. I highly recommend the financing program to anyone that needs it.”
John Bogonis
Owner / Carlisle Bakery, Carlisle, PA
Small Business Loan
“The integrity and relationship is extremely strong, really appreciated the way Fora Financial worked with us and it was such a positive experience for my company and for myself.”
Rodney Thomas
Owner / Thomas and Herbert Consulting
Revenue Advance
“With Fora Financial, he was able to get an approval with minimal paperwork and the financing he needed within 3 business days.”
Juan Manuel Perez
Restaurant Owner / Pita Grill, New York, NY
Small Business Loan
“The process at Fora Financial was quite transparent, you know what you were getting into, quite honest, actually very easy and as I grew and took more advances, the terms got better.”
Dickson Shreffler
Owner / Sleepy Poet Antique Mall, Charlotte, NC
Small Business Loan
“There's no such thing as cut and dry any more, it doesn't work that way and Fora Financial was able to do that and they are still able to do that today. I hope we can continue this relationship for years to come.”
Russell Bobo
Owner / Bobo Engineering Incorporated
Revenue Advance
“True to their word, Fora Financial provided substantial funds that allowed us to get some very nice jobs.”
Ed Campany
Owner / Campany Roof Maintenance, West Palm Beach, FL
Revenue Advance
“Fora Financial provides better banking in general.”
Ismael Lopez
Owner / PR Wraps, Miami, FL
Small Business Loan
“When Fora Financial offered the opportunity to provide us with capital, we jumped right on it. We thought it was a win-win situation. It makes sense.”
Joseph Pou
Owner / J&J Pool and Beach Services
Revenue Advance
“If it wasn't for Fora Financial I don't know if we would have made it through the summer.”
Carl Busset
Owner / The 19th Hole at the Saints, Port St Lucie, FL
Services Business Loans
"Thanks to the working capital I received from Fora Financial, I was able to retain my employees during a challenging time. Applying was easy and the turnaround time was great!"
Denise Barron
Proprietor / Growing Patch Learning Center, Pittsburgh, PA

Inventory Financing and Loans FAQ

Each loan type has different terms. Typically, they must be paid back within 6 to 12 months because they are considered a short-term financing product.
Inventory financing lenders offer a variety of loan products. Lines of credit, merchant cash advances, term loans, and traditional financing are the main types of inventory financing available.
Most businesses that need inventory financing choose a short-term loan product that uses the inventory as collateral. These are the best types of financing to buy inventories.
If you need to resupply your inventory for an upcoming season before you have the revenue to pay in cash or you want to add products to your selection, then an inventory loan might be the best option. With a few different loan options, you can choose what fits your business the best.

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