Inventory Financing
A lending structure secured by finished goods, raw materials, or work-in-process inventory, used to fund stocking cycles, seasonal builds, and large customer orders.
What lenders actually advance
Advance rates against inventory typically range from 40 to 60 percent of cost, with finished goods supporting higher advances than raw materials or WIP. Periodic field exams and appraisals are standard.
Inventory facilities are most powerful when paired with a receivables line, so the operator has continuous funding from raw material through cash collection.
See how this structure is used in practice.
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