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Stock Finance: Releasing the value in your warehouse

Using the value of the stock you hold to fund your business plans


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  • Reduce borrowing needs
  • Free up working capital
  • Can be used with all types of stock
  • Can support international trade


  • May be used as a part of a broader funding package
  • Adverse Credit – no problem
  • Rolling funding
  • Funding can be provided rapidly

Supports cashflow

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

Talk to Rangewell – the business finance experts

Whatever your sector carrying stock is a financial burden. We work across the entire lending market, and know the lenders who will fund your stock - and help you turn a burden into a valuable asset.

Your business probably has its most valuable assets sitting on your warehouse floor. Stock Finance can turn that liability into asset.

Raw materials and finished goods tie up huge sums of capital. Stock in any form is an expensive commodity, and the more stock that is held in your warehouse, the less free cash there is available to run your business. The more stock you need to hold the less cash there is to operate, fund initiatives and drive growth.

Stock Finance, also known as Inventory Finance, is a funding solution that lets you release the working capital tied up in stock before you sell it.

The funding works by having a lender purchase stock from your business. Repayment is made when the stock is sold on. How much funding you can access depends on the type of stock you are looking to release cash against, and whether it is basic raw materials, work in progress or finished goods, ready for sale.

Stock Finance is structured as a revolving facility usually over a 30-90 day period so will rise and fall in line with the movements in your purchase and sales activities, together with any seasonality in your business. It lets you access cash from your existing assets as and when your business needs it.

Why use Stock Finance?

Most Trade Finance solutions are based on the orders your business has or can reasonably expect to receive. With Stock Finance, the funding is secured on the physical stock in your warehouse or stockroom. This makes it ideal if you hold buffer stock, or if order finance can’t be used, perhaps because you sell to individual consumers online.

Supporting international trade

As well as providing a simple solution for domestic users, stock finance can also support international trading. Both stock held in the UK and overseas can be used as an asset for lending.


  • Find the most competitive funding to allow a toy retailer to buy off-season when prices are lowest

  • Help an electronics manufacturer stockpile components brought in from a Korean supplier

  • Source funding to allow a furniture manufacturer buy in a large quality of timber

  • Find the most competitive finance to let a clothing manufacturer hold a seasons worth of winter jackets

  • Help a cycle retailer use the contents of the stockroom to fund the acquisition and refurbishment of a new showroom

Why you need Rangewell to arrange Stock Finance

Stock Finance can be an effective solution for many businesses that need to find an additional source of funding, but with some providers, costs and fees may be high. Getting an arrangement which suits your business and can provide the level of funding you need may require expert help as:

  • 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 all your finance options, and help you decide if a Stock Finance solution really does offer the most appropriate solution for your business. We can even help with Supply Chain Finance, Trade Finance and even solutions such as Whole Ledger Finance. Then we can help you find the lenders who are most suitable for your particular business sector, and who can provide you with the level of funding you need at the most competitive rate.

To see if Sock Finance can provide the solution that you need, please call us now.

What business owners say abut Stock Finance...

We have more than £5 million worth of stock at any time. We use stock finance to release some of the value to the rest of the business.
I buy in bulk, but I sell individually from my website. Stock finance is the solution I need.
Doing international business can mean risk and costs. Stock finance helps us with both of those.

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

Fast - the cash you want, as you need it

Revolving credit means that you can call on funds as you need them, avoiding the need for expensive additional finance.

Flexible - money for any purpose

Buy in more materials and stock, deal with temporary cash flow issues - or use to fund business growth.

No need for extra security

Lending is secured on stock so there’s usually no need for extra security – get the cash you want in days, and use it for any business purpose.

Supporting international business

Stock finance can support international trading. Funding can be raised on stock held in the UK and overseas.

Deal with seasonal stock changes

Stock finance is flexible and can support seasonal stock changes for the wholesale and retail industries.

Supporting growth

Funding can keep pace with the stock you hold - making stock finance ideal when you are ready to grow your business.

Download Rangewell’s free and detailed guide to Stock Finance

Rangewell Ebook - Download Rangewell’s free and detailed guide to Stock Finance
  • How does Stock Finance work?

  • What are the costs?

  • How to pick the right provider

  • The downsides of Stock Finance

  • Paperwork you need to provide with your application

  • Is your business suitable?

  • Key Terms to check

  • What is a stock financing facility? 

  • Can Stock Finance help with cash flow and working capital, or purchasing stock or buying in raw materials? 

  • How does Trade Finance differ from Invoice Finance?

  • What is a credit facility?

  • Do stock levels of finished goods have any bearing on the agreement?

  • What is a standard agreed term for finance?

  • Download now

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