Inventory and stock financewhen the order is bigger than the cash on hand.

Stock is cash that has not come back yet. Retailers, wholesalers and manufacturers all hit the same wall: a supplier wants payment now, the customer pays later, and the order is too large to float from the account. That is what inventory finance is for.

TurnoverLoans.com funds inventory and stock as an unsecured business loan, in the $50,000 to $3 million range. We do not start by taking a charge over the warehouse. See if you qualify →.

When stock is the actual problem

Use this purpose when the money is going to inventory you will sell — a seasonal buy, a container, a minimum order from a manufacturer, or a range expansion. If the cash is really covering payroll, rent and a mix of bills while you wait on invoices, working capital is the cleaner description. If you are buying a machine that stays in the business, that is equipment finance.

Getting the purpose right does not change whether you are “allowed” to apply. It tells us what the funds are doing, which is part of assessment.

Turnover still leads

We do not underwrite from a stocktake spreadsheet in the first step. Monthly turnover is the main input, the same as every other purpose. The later application does ask whether you hold stock and what it is worth, because that is part of how the business actually works. How much you can borrow from turnover is the page for the range and the indicative maximum.

What we will not pretend

This is not invoice finance, and it is not a trade facility from your supplier. It is a business loan you can use to pay for stock. Rates and costs are not shown in the qualification check. Anything you were offered would need to be clear before you proceed, and it is subject to assessment.