Stock Finance
Stock Finance provides your business with the capital it needs to purchase inventory upfront, ensuring you never miss a sales opportunity due to cash flow restrictions. Instead of waiting until you have enough working capital to restock, Stock Finance gives you the flexibility to secure the goods you need when you need them.
Whether you’re a wholesaler, retailer, or distributor, this solution helps you stay ahead of demand, negotiate better terms with suppliers, and keep your shelves fully stocked to maximise sales.
Service benefits
- Secure More Stock – Access funding to buy larger quantities of stock or meet seasonal demand without straining your cash reserves.
- Boost Sales & Revenue – Keep your shelves filled and your supply chain running smoothly so you never miss out on potential sales.
- Stronger Supplier Relationships – Purchase in bulk, pay suppliers promptly, and take advantage of discounts for early or larger orders.
- Flexible Repayments – Finance is structured around your sales cycle, easing pressure on cash flow as you grow.
- Tailored to Your Business – Whether you’re in retail, wholesale, or e-commerce, Stock Finance is designed to match your trading patterns and growth needs.
- Growth Without Limits – With the right stock on hand, you can respond quickly to new opportunities and scale confidently.
How much can my business borrow?
The amount you can borrow is dependent upon your monthly card takings turnover, this is taken as an average over the last six months. The greater the sales turnover that goes through your card machine, the larger amount you can get advanced. Subject to underwriting the funding you could receive via a merchant cash advance could be up to 150% of your monthly card turnover meaning you could receive a larger sum.
How much does the Merchant Cash Advance cost?
The cost to your business is calculated on something that is called a factor rate, this gives you a total repayment figure. When you make a sale and your customer pays by card a percentage of that sale goes to make the repayment of the loan amount until it is paid off in full.
Are merchant cash advances right for my business?
Merchant Cash Advances can deliver a number of benefits for your business. This type of funding allows access to business finance in a shorter time than a high street bank, decision in principle for approval can be made in within just 24 hours. Application processes are quick and simple with a minimal paperwork required. This is due to the lender requesting all the information requested from your merchant provider.
