Inventory financing in Australia
Finance with transparent rates, from proven lenders, settled in the timeframe you need. Invest in your business, fund growth without running out of cash and get the investory you need to do business the way you want.
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What Is Inventory Finance?
Inventory finance could be financed with an unsecured business loan or line of credit. It’s a solution that allows businesses to purchase stock, raw materials, or finished goods without tying up working capital. This type of financing bridges the cash flow gap between paying suppliers and generating revenue from sales. This way, you can preserve working capital to pay for daily costs and emergencies.
Inventory represents both revenue potential and operational stability for businesses. With the right inventory financing solution, you can maintain stock levels, seize growth opportunities, and keep your cash flow healthy.
Types of inventory finance we offer
Plenty of loan providers in Australia offer inventory loans that consider the inventory as security. However, we offer unsecured inventory financing options to help your business:
- Unsecured Loan: We offer short-term loan options that are not secured against your inventory or goods. These loans provide you with a lump sum to purchase your inventory and can be paid off with interest in terms of 6-12 months.
- Unsecured Business Line of Credit: We offer a line of credit solution that helps you purchase inventory. Unlike a traditional loan, a line of credit allows you to draw from a predetermined limit, only paying interest on what you borrowed. Once you repay, the limit resets, allowing you to access the amount once again.
What Can You Use Inventory Finance For?
Unsecured business loans rates can vary depending on factors such as your business’s financial history and credit score as well as the loan amount and repayment term. At Dark Horse Financial, we compare across our network of lenders, ensuring you get competitive rates that suit your needs.
What Can You Use an Inventory Loan For?
- Purchasing Stock in Bulk: Take advantage of supplier discounts or seasonal pricing by buying inventory in larger quantities.
- Managing Seasonal Demand: Stock up ahead of peak sales periods, such as holiday seasons or industry-specific busy times.
- Address Sales Spikes: Be ready for periods of a sudden increase in sales by stocking on inventory to meet unexpected demand.
- Expanding Product Lines: Introduce new products to your customers without worrying about upfront costs.
- Optimising Cash Flow: Free up working capital for other operational needs, such as marketing, staffing, or utilities.
- Purchasing Equipment Inventory: Equipment inventory finance can fund the purchase of high-value equipment or specialised tools for sale.
- Managing Supply Chain Disruptions: Build a buffer to avoid interruptions caused by supplier delays or market fluctuations.
- Supporting Retail and Manufacturing Operations: With retail inventory finance, ensure a continuous flow of raw materials or finished goods to avoid production or sales delays.
Why Choose Dark Horse Financial for Inventory Finance Australia?
- Customised Solutions: We focus on providing you with financing that fits your situation, requirements, and timeline.
- Industry Expertise: We know the ins and outs of various industries in Australia. We understand your funding needs, and we’ll deliver the right solutions.
- Best Rates and Terms: We ensure that you get the best interest rates and terms possible for your loan.
- Ongoing Support: Our services continue well after loan settlement. We’re here with you as your inventory financing needs evolve.
How to Finance Inventory with Us
- Reach Out to Us: Fill up our online form or give us a call to get started. Tell us your borrowing needs and we’ll help you find the right solution.
- Get a Tailored Solution: We’ll review your needs and situation and provide you with a solution that’s customised to your situation.
- Submit Your Application: We’ll submit your application and ensure you get the best deal for your loan.
- Approval and Funding: Once the lender approves, receive the funds or get access to a line of credit and start stocking up your business!
Find the Best Inventory Finance Option For Your Business
Keep your shelves stocked and your customers satisfied. Talk to the inventory finance experts at Dark Horse Financial today.
Inventory Finance FAQs
For inventory finance you can get no-doc unsecured loans up to $300k and full-doc loans of up to $2M. Line of credit solutions can be several million depending on the strength of the applicant.
Inventory finance helps maintain cash flow, ensures business owners can meet customer demand, and prevents missed opportunities due to stock shortages.
Costs for inventory finance typically include interest rates, establishment fees and sometimes a valuation fee for secured loans. The exact costs depend on your selected lender, the size of your loan and the terms of the finance.
Eligibility for inventory finance will vary depending on the lender’s credit terms. Many lenders will look at your business income, assets and liabilities, sales history and credit scores to assess eligibility, but some may only need to understand your capacity to repay the loan via a no-doc loan application process.
Retailers, wholesalers, manufacturers, and businesses dealing with equipment or seasonal stock often benefit the most from inventory finance.
Yes, inventory finance is an excellent solution for businesses that experience seasonal sales spikes, allowing them to stock up during high-demand periods.
The speed of loan approval for inventory finance can vary depending on the lender. It can range from just hours after application up to a few days with non-bank lenders. Bank applications commonly take around 4 weeks or more from application to funding. Contact us today to get a quick inventory finance solution for your business.