Inventory loans from $5,000–$2M. Fund seasonal pre-buys, supplier orders, and emergency restocks. Approvals in 24 hours — no inventory pledge required.
Inventory financing is a category of business funding used to purchase stock, merchandise, or raw materials before your sales revenue catches up. At its core, it solves a fundamental timing problem: your suppliers want payment now, but your customers haven't paid you yet.
For a retailer ordering $150,000 in holiday merchandise in October, there may be 8–12 weeks between writing the supplier check and seeing that cash return through December sales. Without financing, businesses are forced to choose between underfunding inventory (and leaving sales on the table) or depleting cash reserves to dangerous levels.
Inventory loans bridge this gap. They provide the capital to purchase inventory at the right time, in the right quantity — and repayment comes from the revenue that inventory generates.
MFE does not offer traditional asset-based inventory lines where your inventory is pledged as collateral. Instead, our inventory financing operates through unrestricted working capital products — meaning you get funds based on your revenue history, and you can use those funds to purchase whatever inventory your business needs.
This approach has several advantages over traditional inventory-secured lending:
Fashion retailers operate on 4–6 month buying cycles. A boutique purchasing fall/winter merchandise in July won't fully sell through until December. The cash gap between that July supplier payment and the December revenue collection is where inventory financing becomes essential. Without capital, retailers order smaller quantities and miss out on best-selling sizes and colors — a problem that directly reduces revenue.
Electronics have some of the sharpest seasonal demand curves of any retail category. Gaming consoles, phones, and laptops spike in November–December. Retailers who don't pre-buy adequate inventory by October risk selling out early and watching margin walk out the door to competitors. A $200,000 inventory loan in late September can translate to $300,000+ in holiday revenue for a well-run electronics retailer.
Sporting goods follow two major demand cycles: spring/summer (outdoor, water, golf, running) and winter (ski, hockey, cold weather apparel). Each cycle requires inventory investment 8–10 weeks before the season. Suppliers often require minimum order commitments that strain cash flow even for profitable stores.
Distributors face inventory financing needs almost continuously. They purchase from manufacturers at volume pricing, warehouse product, and deliver to retailers on 30–60 day net terms. The gap between buying product and collecting payment from retail clients is where a business line of credit proves its value — draw when you buy, repay when clients pay.
Importers face the longest cash flow cycles. Ordering goods manufactured overseas involves lead times of 60–120 days plus shipping, customs clearance, and warehousing before a single item is sold. A working capital loan or MCA can fund an import order placed in January that won't generate revenue until April or May.
Best for large, one-time inventory purchases. Lump sum deposited directly to your account, repaid via fixed daily or weekly ACH debits over 3–24 months.
Ideal for: Holiday inventory pre-buys, large supplier orders, import purchases
Revolving credit for ongoing inventory needs. Draw when you need to restock, repay as sales come in. Credit resets for the next purchase cycle.
Ideal for: Distributors, wholesalers, high-velocity retailers with frequent restocks
Revenue advance repaid via fixed daily ACH. Fastest path to capital. Excellent for retailers with strong deposit volume who need funds immediately.
Ideal for: Emergency restocks, supplier closeout deals, time-sensitive buys
Fixed weekly ACH repayments sized to your revenue. Predictable payment schedule aligned with inventory-to-sale cycles. No fluctuating payment amounts.
Ideal for: E-commerce sellers, seasonal retailers, businesses with predictable revenue
Funding amounts are driven primarily by your average monthly revenue (as evidenced by bank statements). Use the table below as a general guide:
| Monthly Revenue | Typical MCA Range | Working Capital Loan Range | Line of Credit Range |
|---|---|---|---|
| $15,000–$25,000 | $15,000–$37,500 | $10,000–$50,000 | $10,000–$25,000 |
| $25,000–$50,000 | $25,000–$75,000 | $25,000–$100,000 | $20,000–$50,000 |
| $50,000–$100,000 | $50,000–$150,000 | $50,000–$200,000 | $40,000–$100,000 |
| $100,000–$250,000 | $100,000–$375,000 | $100,000–$500,000 | $75,000–$200,000 |
| $250,000+ | $250,000–$1,000,000 | $250,000–$2,000,000 | $150,000–$250,000 |
Figures are illustrative ranges based on typical approvals. Actual offers depend on time in business, industry, credit profile, and cash flow patterns. Call (305) 384-8391 for a specific estimate.
MFE's approval criteria focus on one thing: consistent revenue. Here's what matters most:
The biggest mistake inventory-dependent businesses make is applying too late. Here's a planning calendar that aligns financing with major inventory buying cycles:
| Buying Cycle | When to Order Inventory | When to Apply for Financing |
|---|---|---|
| Holiday / Q4 | September–October | August–September |
| Spring / Q2 | January–February | December–January |
| Back to School | June–July | May–June |
| Summer / Outdoor | March–April | February–March |
| Import / Overseas | 90–120 days before sale season | 120–150 days before sale season |
Applying 4–6 weeks before you need to write a supplier check gives you time to compare offers, complete underwriting, and have funds in your account before the order deadline.
Complete the online form at merchantfundexpress.com/current-application.html in under 10 minutes. Basic business information, ownership details, and funding request.
3–6 months of business bank statements. PDF uploads accepted through the secure portal.
A funding advisor contacts you within 24 hours with product options, amounts, and rates. No obligation to accept.
E-sign your agreement. Funds deposited to your business account within 1–3 business days.
Wire your supplier, pay your distributor, or place your import order. No reporting or use-of-funds documentation required.
Inventory financing funds the purchase of stock, merchandise, or raw materials before your sales revenue arrives. MFE working capital loans and MCAs serve as inventory financing tools — providing funds you can immediately direct toward supplier payments.
$5,000–$2,000,000 depending on your monthly revenue and product type. MCAs are typically 100–150% of average monthly revenue. Working capital loans can reach $500,000+ for strong-revenue businesses.
Approvals in 24–48 hours. Funds deposited 1–3 business days after signing. Same-day funding available for qualifying applicants.
No. MFE products are unsecured. No inventory pledge, no real estate collateral required. Qualification is based on monthly revenue and bank deposit history.
Retail stores, e-commerce sellers, clothing boutiques, sporting goods stores, electronics retailers, food and beverage distributors, and wholesale businesses all regularly use inventory financing through MFE.
Yes. Working capital loans from MFE are unrestricted — you can use funds for inventory, payroll, rent, marketing, or any other business need. No use-of-funds restrictions.
A line of credit is revolving — draw, repay, draw again. A working capital loan or MCA is a one-time lump sum. For recurring inventory cycles, a line of credit often makes more sense. For large seasonal pre-buys, a lump-sum product is typically more appropriate.
No. MFE does not require purchase orders or vendor invoices. Approval is based on revenue history. Funds are unrestricted once deposited.
Fast capital for stock purchases. Approvals in 24 hours.
Apply Now (305) 384-8391Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.