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Retail businesses face changing inventory demands throughout the year, from seasonal purchasing to supplier payment schedules. Having the right financing in place helps keep inventory moving without placing unnecessary pressure on cash flow.
By taking the time to understand how your business operates, Accord Financial structures financing around your inventory cycle helping you maintain liquidity and respond with confidence as your business evolves.
Retail businesses often require financing to support inventory purchases, seasonal demand, supplier timelines, and changing consumer buying patterns. Maintaining inventory levels while preserving working capital can help retailers respond more effectively to sales cycles, product turnover, and operational expenses.
Retail inventory financing can be used to support a variety of inventory-related business needs, including:
Retail businesses often require financing to support inventory purchases, seasonal demand, supplier timelines, and changing consumer buying patterns. Maintaining inventory levels while preserving working capital can help retailers respond more effectively to sales cycles, product turnover, and operational expenses.
Retail inventory financing can be used to support a variety of inventory-related business needs, including:
Retail inventory financing is a form of asset-based financing that allows retail businesses to use inventory as collateral to support an asset-based facility.
A retail inventory loan is an asset-based loan that is secured by inventory. You may borrow a certain amount based on a percentage of the value of your inventory, which is determined by the lender, usually working in conjunction with an appraiser. Seasonal fluctuations in your inventory levels can be supported by an asset-based loan facility.
Although the typical term for an asset-based facility is one year, if your financing needs are more short-term, Accord can offer you the following solutions:
Retail inventory financing rates vary greatly from one transaction to the next. Typically, rates are based on the type of inventory available as collateral, the level of risk,and the financial performance of your business.
You can use a retail inventory financing facility to leverage your inventory and obtain financing, which you can use to purchase new inventory or finance other general operating expenses of your business.
If you have a retail business with inventory, a physical or e-commerce store, a business plan and a financing need, you meet the requirements for retail inventory financing. An appraisal of your inventory will also be needed to move forward with the inventory facility.
Even if you have poor credit, retail inventory financing is a solution that may work for you. Accord does not make decisions solely based on personal or business credit history. As an asset-based lender, our underwriting is focused on the actual value of your assets and not necessarily on historical financial performance.
Yes, if you run a startup you may still qualify for retail inventory financing. Length of time in business is not the only factor in the underwriting decision process.
Yes, you can obtain retail inventory financing for small businesses from us. Our small business financing unit offers loans up to $75,000 with no minimum term, which can be tailored to your needs. For more information on retail inventory financing for small businesses you can visit the page dedicated to small business loans.
Yes, if you are looking for financing solutions, including inventory financing for the wholesale industry and many other industries, you can turn to Accord, as we service a full spectrum of industries.