How to get inventory financing?
To get inventory financing, you apply with a lender that funds stock purchases, typically through a working capital loan, a business line of credit, or purchase order financing: showing 3-6 months of bank statements that prove you can sell what you buy. There's no single "inventory loan" product; it's a use case several products serve. Miss the buying window before your peak season and the inventory you couldn't stock becomes revenue your competitor books instead. Quordx Capital matches retailers, e-commerce sellers, wholesalers, and distributors with inventory-friendly lenders from a 50+ lender network: one application, no fees to you.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
The fastest path to financing inventory
Lenders funding inventory purchases want one thing demonstrated clearly: that the stock turns into sales. Here's how to position yourself:
1. Pick the right product for your buying pattern. A one-time seasonal buy fits a working capital loan ($5K-$500K, short-term). Ongoing restocking fits a revolving line of credit ($10K-$250K+). A confirmed customer order you can't afford to fill fits purchase order financing. 2. Show sales velocity. Bank statements with consistent deposits are your strongest evidence. Most alternative lenders want roughly $10K+ in monthly revenue and 3-6+ months in business. 3. Quantify the buy. Lenders respond well to specifics: supplier quotes, expected margin, and turn time beat "I need money for inventory." 4. Match the term to the turn. If inventory sells through in 4 months, don't finance it over 4 years, and don't fund slow-turning stock with daily-payment products that drain cash faster than shelves clear.
Inventory funding options Quordx Capital brokers
Business line of credit: Best for recurring restocks: draw to buy, repay as inventory sells, pay interest only on the drawn balance.
Working capital loan: Best for one large seasonal purchase: $5K-$500K with a fixed, short repayment schedule.
Purchase order financing: Best when a confirmed PO exceeds your cash: the financier pays your supplier directly.
Business credit cards: Best for smaller, frequent supplier purchases while building business credit history.
How Quordx Capital Works
One 5-minute application covers every lender. Upload 3-6 months of bank statements, your latest business tax return, ID, and entity documents through the encrypted, SOC 2 compliant platform. Quordx Capital's matching process then ranks 3-7 best-fit lenders from its 50+ network by approval probability, decisions arrive in 24-48 hours, and funds typically land in 3-7 business days: fast enough to hit most buying windows.
What to Expect
Expect approval to hinge on cash flow more than collateral: credit scores down to roughly 500-550 can qualify for revenue-based products, though stronger credit unlocks cheaper rates. Expect straight talk on cost: short-term inventory money from online lenders carries higher rates than bank financing, and every fee is disclosed before you sign anything. The match is free, with zero obligation.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
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