Managing cash flow to maintain optimum stock levels to meet customer demand can be a challenge. Finding the funds to purchase goods to be sold well ahead of the time the business will receive income from the sale of those goods can be a major issue for many businesses. Where the goods are sourced from international suppliers, the timeframe can be a significant consideration.
As specialists in commercial lending, we work with individual business operators to assist with their inventory management by sourcing and structuring cost-effective inventory finance. Workable, affordable funding through a range of credit facilities, to ease pressure on cash flow, and to allow the business to operate successfully and profitably. We source the most competitive inventory loan interest rates to minimise repayments, minimise purchase costs and allow operators to maintain competitive pricing for their customers.
Loans for inventory are available for businesses across all industry sectors and may be used to purchase finished goods ready for sale, or for supplies and materials required to produce goods. Every application for inventory financing is handled by our expert brokers on an individual basis. Speak with us about your specific requirements.
As specialists in commercial lending, we provide a range of inventory funding credit facilities to suit individual business requirements. The most widely used type of inventory loan is a line of credit or overdraft. With a line of credit, we liaise with our lender to pay the supplier invoice and the funds are repaid over the agreed loan term. Alternatively, the funds are made available to the business to finalise payment with their supplier.
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Lines of credit can be secured over a set timeframe or as an ongoing or revolving credit facility. Overdrafts and lines of credit can allow businesses to pay down the loan over a timeframe that suits their cash flow. With inventory finance, that timeframe may be negotiated to be after receipt for the sales of the goods or be an unspecified term.
With overdrafts and lines of credit, interest is typically charged only the funds utilised. The interest rate may be fixed or variable with interest applied monthly based on the funds used and balance. This type of funding can provide a flexible credit facility for acquiring the products and materials required.
Businesses that sell the same goods repeatedly, may need to continually re-stock to maintain appropriate inventory levels. An ongoing line of credit may meet that need.
For some businesses, a Secured Business Loan may be a more suitable inventory financing option. When arranging this type of credit facility, we secure the most competitive fixed interest rates and most workable fixed terms. A fixed repayment schedule is arranged to provide certainty for the business owner. Inventory finance allows the products being acquired to be used as collateral for the credit.
To discuss the most suitable inventory finance solution for your business, connect with us via our online portal or call and speak with one of our brokers.
Inventory finance is credit provided to businesses, typically over a short-term or through an ongoing line of credit for the purchase of goods and products to be sold later. This type of credit facility can be essential for business that sell high-priced goods, have seasonal demand for their goods and need to grow their stock ahead of that demand, and for businesses that have inconsistent sales.
Loans for inventory allow businesses to build stock levels without pressuring cash flow. While primarily designed to fund ‘goods for future sale’, we can also provide funding for the purchase of supplies and materials involved in the business production process.
Funding inventory and materials may allow operators to:- take advantage of better pricing when buying larger quantities; capitalise on more favourable foreign exchange rates when purchasing from overseas suppliers; be better prepared for seasonal spikes in demand; and better manage their finances.
To discuss if inventory financing can benefit your business, speak with one of our brokers.
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Inventory financing is a more specialised form of commercial credit and business operators can benefit significantly by using our experts to source a solution to meet their needs. We assign a broker with specific inventory loan experience to customer’s requiring this type of credit. Every enquiry for inventory financing is handled individually, with solutions sourced and structured to meet specific needs.
Our expert brokers source the most suitable lender from across our vast 80+ lender base. We have over 25 years of experience in the Australian commercial lending market and have built up strong relationships and leverage with lenders.
We utilise our leverage with lenders to secure the most competitive interest rates on inventory financing for our customers to ensure the cost of acquiring stock is minimal. Your Jade broker handles the entire process from your briefing through to settlement. If acquiring products from an international supplier, we will assist with the foreign currency exchange rates and with the international funds transfers.
For a quote on your requirements, please speak with one of our brokers.
Applying for inventory finance is a streamlined process with Jade Finance. An initial discussion will cover the specific requirements and determine the type of inventory loan required – line of credit, overdraft or business loan.
Your broker will be handling your application and will advise the documents that our lender requires to assess your application. Financial documentation includes turnover figures, profit and loss statements, annual accounts, tax returns, BAS returns and similar.
Details of the goods to be financed, the supplier, and the timeframe the funding is required for will be needed. Lenders will assess the application and the credit history of the business to prepare interest rate and financing offers.
Many applicants requiring inventory finance can receive their approval within 24 hours. Expediting the availability of funds to expedite delivery of the inventory. Businesses can apply for inventory finance using our online form or by phone with one of our brokers.
Wondering what inventory financing may cost you? Wanting to prepare budgets to acquire stock with finance? Use our online calculator to obtain quick estimates.
To use the calculator, refer to our current interest rates on the credit facility which is best suited to your requirements. These rates can be used to obtain estimates with specific quotes available by contacting us directly.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 19/09/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
Inventory finance is a commercial credit facility provided to businesses to acquire stock for sale.
Inventory financing can be used to purchase goods which are ready to be sold and to purchase materials and supplies to produce goods.
A line of credit is a commercial finance product which provides funding to business over a short term or an unspecified timeframe. Businesses can use the amount they require and usually repay the funds as suits cash flow. Interest is charged only the funds used.
Yes. Funding in Australia can be sourced to pay international suppliers for products for inventory.
Interest and lender fees and charges on overdrafts and lines of credit should be tax deductions.
The term of a line of credit may be unspecified or specified. The balance can be reduced over a time to suit the business with the entire amount to be finalised by the end of the agreed term.
Inventory finance is typically arranged over a short term. The term is negotiated with the lender to suit the purchase and resale timing of the business. Lines of credit and overdraft can be approved on an ongoing or revolving basis.
Yes. Many lenders will approve a line of credit to fund materials and supplies.
Where funding is provided for a shipment of goods to be sold, typically those goods can be used as the collateral for the finance.
Approval times for commercial finance applications can vary with lenders. Some brokers and lenders can get approvals in 24 hours.
