Can inventory be financed before the season?

Yes, as working capital, sized on your deposits. The lender sets the amount and its cost in its written offer.

Does the stock serve as security?

The lender may ask for security on business assets, stock included, or for a personal guarantee. It says so in its offer.

What does last season show the lender?

What the stock turned into: last season’s sales show in your statements. The lender compares that season with the one ahead.

My supplier wants payment with the order: can that need be presented?

Yes. A supplier to pay in advance is a common working-capital need; you describe it, the lender judges the file.

Answers

Buying inventory before the season: how is it presented?

Inventory bought ahead of the season is presented as a working-capital need: the stock is paid for before it sells. The lender reads last season in your statements and decides.

Choose my amount

The answers

Can inventory be financed before the season?: Yes, as working capital, sized on your deposits. The lender sets the amount and its cost in its written offer.
Does the stock serve as security?: The lender may ask for security on business assets, stock included, or for a personal guarantee. It says so in its offer.
What does last season show the lender?: What the stock turned into: last season’s sales show in your statements. The lender compares that season with the one ahead.
My supplier wants payment with the order: can that need be presented?: Yes. A supplier to pay in advance is a common working-capital need; you describe it, the lender judges the file.

Choose my amount

What the lender looks at

Actual deposits, month by month: Last season’s sales measure what the stock can bring in.
Trend over the period: The lender compares one season with another, not one month with the next.
Days in overdraft: Stock paid for before it sells shows as time spent below zero.
NSF cheques: A cheque returned to a supplier weighs on the file.

Choose my amount

$0 upfront · 7% only if funded

An intermediary, not a lender.

The lender sets the final amount and its cost in its written offer.

Choose my amount