Move More Product. Maintain Working Capital Along the Way.

Suppliers expect payment on set terms, and those obligations can come due before collections from customers arrive. Reliable supplier relationships depend on paying on time.

Buying stock ties up cash, and holding it adds storage, handling and insurance costs. Every day product sits unsold is a day that capital is committed but not earning.

Retail and commercial customers often pay on extended terms. Invoices that stay outstanding for weeks reduce the cash available to buy the next round of inventory.

A major order can require more stock, more staff and more working capital before the first payment arrives, so growth itself can strain liquidity.

Labor, facilities, handling equipment and delivery costs continue whether or not receivables are being collected on schedule.

Many distributors and wholesalers build inventory ahead of peak periods and pay suppliers before the sales that follow, which stretches working capital at predictable points in the year.

Eligible inventory can be considered as collateral, depending on the structure and our underwriting review. What qualifies, and how much it supports, depends on the product and how it is valued.

We look at the quality and age of eligible invoices, the creditworthiness of your customers and how concentrated sales are among a few of them. These factors shape how receivables are treated as collateral.

It can. Fast-moving, readily saleable stock is generally easier to support than slow-moving or specialized goods, so inventory is reviewed individually as part of underwriting.

It can be considered. A large order often means buying stock and paying suppliers before the customer pays, and a facility secured by eligible assets can help support that timing, subject to underwriting.

Where handling equipment or real estate is eligible and fits the overall facility, it can be part of a secured financing, depending on the transaction.