types of loans / Unsecured Small Business Loans /

Inventory Loan (Financing)

Inventory loans provide an infusion of working capital during peak seasons and position small businesses to deliver superior customer service.

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What is an inventory loan?

Having the resources to keep the right amount of inventory on hand is crucial to keeping your business going. Often you will need additional working capital during slow months or to ramp up inventory for a peak season. Inventory loans, or inventory financing, are designed to provide small business owners the working capital to purchase additional inventory needed to succeed.

Inventory lines of credit can help your small business by delivering funding up front to ensure you have sufficient working capital to buy in bulk, prepare for a peak season or take advantage of favorable pricing.

Is an inventory loan right for my business?

Inventory loans are designed primarily for existing businesses in retail or product-oriented sectors. These businesses can look to this type of small business loan to get the additional stock needed to prepare for a busy season when you know you will be able to pay off your loan quickly once the products are sold.

An inventory loan is likely a good fit for your business if you need to keep a much larger inventory on hand in warehouses and larger storage facilities. Larger wholesale retailers without a lot of cash on hand to replenish their supply may have the next few months of orders in a warehouse, but they do not have additional inventory to fulfill upcoming future orders.

How can I get an inventory loan for my business?

If you have a strong sales record but are tight on working capital, it can be very difficult to establish a line of credit with a traditional lender. Online lenders like Kabbage Funding™ are stepping up to offer small businesses a solution to cash flow issues.

Kabbage Funding offers ongoing lines of credit of up to $150,000 with a simple, online application process. You can draw from your line as often as you want and pay fees only on the working capital you take.

Why Kabbage

Flexible Funds
You decide when to use your funds and how much to take. As long as you have available funds, you can withdraw every time you need capital.
Transparent Terms
Kabbage Funding™ loans have simple, monthly payments with no origination fees or prepayment penalties. You can review your payment schedule before taking a loan so there won't be any surprises.
Simple Process
Securely link your business information online to get an automatic financial review. This lets us evaluate your business right away without requiring you to track down financial statements.
Convenient Access
Withdraw from your line by logging into your computer, using our mobile app or swiping your Kabbage Card. You'll have the security of a line of credit you can use whenever you need it, wherever you are.
Trusted by Thousands
Kabbage customers have securely connected more than 1 million data sources. We’re A+ rated by the Better Business Bureau and certified for our commitment to customer privacy.
Personal Service
From applying to managing your account and making the most of your capital, our in-house team of experts is here to help when you need it.