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Inventory Finance: funding based on the goods you carry

Don't lock your funds in your stock room


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Current Terms Available


  • Funding secured on your inventory
  • Can be used with all types of stock
  • Free up working capital
  • May be used as a part of a broader funding package


  • Rolling facility
  • Short term lending
  • Adverse Credit – no problem
  • Funding can be provided rapidly

Fund growth

  • Funds for any legal purpose
  • Improved cashflow
  • Reduce financial risk
  • Ideal for supporting growth

Talk to Rangewell – the business finance experts

Whatever the sector you work in, if you carry inventory, you are carrying a financial burden. We work across the entire lending market, and can find lenders who will help you turn that burden into a valuable asset.

Whether you are a retailer, wholesaler or manufacturer, your business may have its largest investment lying in your stockroom or warehouse.

You may have hundreds of thousands of pounds worth of stock standing idle, and this can become a problem. The money tied up in your stock is not available to run improve and grow your business. In fact, one of the biggest assets in your business could be your inventory - especially if you work with high-value items such as electronics or luxury goods.

Inventory Financing could let your business release the value you have already invested in your inventory to raise money, by using it as security for a revolving line of credit.

You could use this line of credit in any way you wish. It can be ideal to simply buy in additional inventory, ensuring you have the stock you need. You can use it to fund production, to deal with an unexpected expense or to help your business work through seasonal fluctuations in cash flow.

How it works

Inventory Financing, or Inventory Lending, is a type of Asset-based Lending that is a short-term loan, secured by the inventory you already hold.

As the inventory is sold on to customers, the loan is gradually paid off. When you buy in new inventory the cycle can start all over again.

So, if you are a retailer, inventory finance can help you keep your shelves full. If you are a wholesaler, you can keep your warehouse stacked and ready with all the lines your customers need.

You have more to sell, without having to pay upfront.

When you should use Inventory Finance

Inventory Financing can be appropriate when your company has a high inventory turnover but is short of cash. It can provide a solution if:

  • You are a conventional retailer, with shelves you need to keep full
  • You are an online retailer, needing to maintain instant availability
  • You are a wholesaler, wanting to stock a large number of lines
  • You are a manufacturer ready to prepare for the next production cycle

Borrowing on the stock you already hold can be an astute way to smooth your cash flow, ensuring that you no longer need to sell stock before you can access the value locked up in it.

Why you need Rangewell to arrange Inventory Finance

Inventory Finance can be an appropriate solution for many businesses, but with some providers, costs and fees may be high.

Finding an arrangement which suits your business and your financial circumstances, and offers the level of funding you need may require expert help.

  • Providers may specialise in certain sectors - and may not have the expertise to offer solutions for your business.
  • Some providers may not offer the scale of funding needed by your business
  • Interest rates and fees may vary greatly between lenders
  • Inventory financing interest rates may be higher than some other kinds of funding, making getting the most competitive solution essential for your business
  • You will need to be an established business with a good sales record and credit history

At Rangewell we can work with you to look at your financial needs, and help you decide if an Inventory Finance solution really does offer the most appropriate solution for your business. Then we can help you find the lenders who are most suitable for your particular business sector, and who can provide the level of funding you need at the most competitive rate.


  • Find a lender to provide an inventory finance facility for an IT company that had only been in business for six months

  • Source funds to support a winter sports retailer through a summer downturn

  • Set up funding for a business already in a Creditors Voluntary Agreement

  • Find a small company an inventory finance facility at a rate 50% lower than a leading provider offered

  • Find a facility for a company in a turnaround

Why you should call us now

At Rangewell, we are experts in business funding. We will work with you to see if an Inventory Finance facility really is the best solution for your business and look at the alternatives, such as Purchase Order Finance or even more general small business loans, if it's not.

If Inventory Finance can provide a cost-effective financial solution, we will help you find the provider who can offer the most competitive rates.

To see if Inventory Finance can provide the solution that you need just call us.

What people say about Inventory Finance...

We make all our sales in winter. Inventory finance lets us run production all year round.
The stock room has hundreds of thousands of pounds of goods locked up in it. This way, that value can work for the business.
It's not for everybody, but if you need to keep the shelves full, it can make a great deal of sense.

Discover your range of finance. Every type of finance for every type of business.

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Find Funding

Helping you build your profits

Enjoy volume discounts

Having extra working capital can let you purchase inventory with volume discounts, and importantly when prices and terms are advantageous - not during heavy demand periods when prices are highest.

Increase production efficiency

You may be able to reduce costs through efficiencies of scale by using larger production runs.

Reduce transport costs

Buying in bulk can reduce your transport costs with larger orders.

Improve your customer's choice

You can maintain higher retail stock levels, offering more choice and a more appealing sales environment for your customers.

Funding that grows with your business

Inventory financing can automatically keep pace with your stock levels and the growth of your business.

Provide working capital

Working capital is essential for your everyday operations. Using the assets in your inventory can provide the funds you need.

Download Rangewell’s free and detailed guide to Inventory Funding

Rangewell Ebook - Download Rangewell’s free and detailed guide to Inventory Funding
  • How does Inventory Financing work?

  • What level of funding does it provide, and what are the alternatives?

  • What are the costs?

  • How to pick the right provider

  • The downsides 

  • Paperwork you need to provide with your application

  • Is your business suitable?

  • Key terms to check

  • Download now

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High interest rates

Inventory Finance should probably not be your first option for financing. This is because it can be more expensive than other alternatives.

You need to be an established business

You need to be an established business with a tangible inventory, a proven sales history and good credit. Lenders want to be sure you can meet your loan payments.

You need steady sales

If sales suddenly decline, you may have to unload your inventory at a loss. This would undermine your ability to support your line of credit and service existing debt.

Our service is...


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.
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