Inventory Financing

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Inventory Financing

WORKING CAPITAL THAT WORKS

Summit can loan against a variety of inventory. If you have stock on hand, the Inventory Financing add-on product can expand your working capital line considerably, making it an ideal option for manufacturers, distributors, inventory managers and wholesalers. Inventory Financing can give you significant additional capital when combined with your core line of credit. Ask us about using Inventory Financing to unlock the cash that’s tied up in your physical assets. Inventory Financing solutions can make the difference between staying with the status quo and moving toward steady growth.

INVENTORY FINANCING HIGHLIGHTS

Borrow against inventory
Add-on to our core product
Creates additional cash flow
Reduce short-term debt

WHAT IS INVENTORY FINANCING?

Inventory Financing can be easily summed up as a short-term loan or line of credit made to a business that allows it to purchase products to sell. The inventory purchased serves as the collateral for the loan if the company cannot sell its products and repay the loan, also known as a loan against inventory. Inventory lending is useful for companies that are affected by the seasonality of cash flow fluctuations. If a company can acquire Inventory Financing, then it can achieve higher sales volume, higher growth, and expand business where it could not have without the Inventory Financing.

WHO CAN USE INVENTORY FINANCING AND HOW TO QUALIFY?

Countless companies and businesses can achieve success through Inventory Financing, such as small to medium sized retailers and wholesalers. Larger corporations have large institutional banks from which to borrow, giving them easier access to funding when times are tough. For smaller businesses that require Inventory Financing for manufacturing products, access to these large entities is not as easy, nor is ensuring that your accounts receivable and balance sheets are in good order. Qualifying is made easy for small and medium-sized business owners with SummitFR, and our Inventory Financing rates are the best in the lender business!

APPLY FOR AN INVENTORY FINANCING LOAN TODAY!

Summit Financial Resources makes applying and qualifying for Inventory Financing easy. Our team of expert Inventory Financing lenders can help make the process, so your business can get the funding it needs to help grow your revenue and customer base. We are a secured party that makes sure that your inventory loan is guaranteed, making your business owners’ worries about creating additional cash flow a thing of the past! Apply online today >

APPLY ONLINE

To apply for Inventory Financing, click here.

MORE OPTIONS FOR YOUR BUSINESS

Inventory Financing Guidelines

FACILITY LIMITS

$100,000-$4,000,000+

ADVANCE RATES

Up to 50% of
Inventory Cost

	Invoice Factoring	Asset-Based Loans (ABL)	Inventory Financing	Equipment Term Loan	Small Business Loan	Stretch Financing
Description	Receivables Purchase	Borrowing Base Certificate	Add-on only	Add-on only	Revolving Loan, Ledgered Collateral	Structured Stretch Piece for Growth; Add-on only
Facility Limits	$100M - $4MM	$1M - $4MM	Up To $1MM	Up To $1MM	$200M	<$250M
Risk Profile	Higher, with Underwritten Collateral & Controls	Lower, Strong Reporting and Management	Higher with Underwritten Exit	Higher, Short-term with Underwritten Exit	Higher, less restrictive with standardized pricing and controls	Higher, Short-term with Underwritten Exit
Pricing Components	Collateral Mgmt/Admin Fee + Interest	Interest + Various Fees	Interest + Admin Fee	Interest + Admin Fee	Admin Fee + Interest / Collateral Management Fee	Flat, Monthly Discount Fee
Advance Rates	Up to 90% of A/R	Up to 85% of A/R	Up to 50% of Inventory Cost	Up to 60% of NOLV or 40% of Book Value	Up To 100% of A/R	n/a

How Inventory Financing Compares

Financing Guidelines

Take a look at our offerings, and see how we can help. We offer Inventory Financing for deals from the low 6 figures to 7 figures, plus. From higher reporting to lower risk, and borrowing base to invoice factoring purchase, somewhere on that chart is a loan for your company.