Email Address :- akram@stgeorgecommercial.co.uk
Stock Finance
Stock Finance
Stock Finance, also known as Inventory Finance, empowers businesses to leverage their existing or incoming stock as a means to access working capital. This form of funding is ideal for wholesalers, importers, manufacturers, retailers, and distributors who need to maintain healthy stock levels without tying up valuable cash flow.
How It Works
Stock Finance allows you to borrow against the value of goods held in your warehouse or in transit. The lender provides a revolving credit facility or short-term loan, which is secured by the inventory. As you sell the goods, the proceeds are used to repay the finance, enabling you to restock and keep the cycle moving.
Key Benefits
Preserve Working Capital: Avoid cash shortages by not locking money in stock purchases.
Bulk Purchase Advantage: Take advantage of bulk discounts from suppliers without cash flow concerns.
Improved Cash Flow Management: Keep operations running smoothly with better liquidity.
Flexible Facility: Finance can be drawn and repaid in line with your trading cycle.
Seasonal Support: Ideal for businesses with peak seasonal demands who need to increase inventory temporarily.
Process of Stock Finance
Application & Stock Assessment
Submit your application along with details of your stock (current or incoming). The lender evaluates your business, stock type, and value.
Facility Structuring
Based on your needs and stock profile, a tailored facility is structured – including loan amount, terms, and repayment method.
Funding Release
Once approved, funds are released either to purchase stock or against stock already held in your warehouse or in transit.
Stock Sale & Repayment
As you sell your stock, proceeds are used to repay the facility, and the cycle continues with replenishment and further funding as needed.
Stock Finance Enquiries
Contact Information
If you have a finance enquiry, please use the contact form.
Otherwise, you can reach us on the email addresses below.
St. George Commercial finance Brokers Limited
11 Curtis House,
34 Third Avenue,
Hove,
BN3 2PD
07958 710 010
01273 855 711
01273 855 710
FAQs – Stock Finance
Stock Finance helps businesses unlock cash tied up in inventory. Suitable for wholesalers, retailers, or importers needing short-term capital. Flexible terms, quick approval, and secured against stock value.
What is stock finance?
Stock finance is a short-term funding solution that allows businesses to raise capital against unsold inventory, helping manage cash flow and fund further stock purchases.
Who can apply for stock finance?
Wholesalers, retailers, importers, and manufacturers holding or purchasing physical stock can apply, provided they have a strong sales cycle and meet lender eligibility criteria.
How is the stock valued?
Lenders typically value stock based on purchase price, market demand, and resale value, often verified through third-party inspections or warehouse records.
What types of stock are eligible?
Eligible stock includes consumer goods, electronics, apparel, industrial materials, and more. Perishable or highly volatile items may have restrictions.
What are the repayment terms?
Repayment is generally made once stock is sold, either as a lump sum or in agreed instalments, based on the agreed facility terms.
