Stock up before the rush, not after it
The best time to buy inventory is usually before you have the cash from selling it. A line of credit lets you buy what you need now and pay it back as it sells.
- Buy ahead of busy seasons
- Take bulk and early-pay discounts
- Pay it down as products sell
Inventory ties up cash. A line frees it up.
Whether it’s retail stock, restaurant supplies or job-site materials, you usually have to pay for it weeks or months before it turns into revenue. That squeeze is where a lot of good businesses stall.
Draw on your line to place the order, then pay it down as the product sells or the job pays out. If a supplier offers a better price for buying more or paying early, you can take it.
Owners use it to
- Stock up ahead of the holidays or peak season
- Buy materials for a big job before the deposit clears
- Lock in bulk pricing or early-payment discounts
- Restock a best seller before it runs out
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions owners ask
Do you finance the inventory itself?
No. Your line of credit is working capital. You use it to buy the inventory, and the inventory isn’t pledged as collateral.
Can I use it for raw materials too?
Yes. Contractors, manufacturers and makers use it for materials all the time.
How much should I draw for an order?
Draw what the order costs, not your full limit. You only pay for what you use, and the rest stays available.
Other ways owners use their line
Payroll
Make payroll on time, even when customers pay you late.
Learn more →
Equipment & Repairs
Fix or replace what breaks without draining your account.
Learn more →
Cash Flow Gaps
Cover bills in the weeks between doing the work and getting paid.
Learn more →
New Jobs & Contracts
Front labor and materials so you can say yes to bigger work.
Learn more →
Expansion
Open a second location, remodel, or move into a bigger space.
Learn more →
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.