Inventory Financing

We offer an array of asset based lending (ABL) and financing solutions.

Don’t let your working capital sit in the warehouse. Capital Desk provides rotating lines of credit collateralized by your existing inventory, giving you the liquidity needed to bulk-buy stock, manage seasonal demand, and smooth out your supply chain.

1. Send your inventory, raw goods and materials list

2. Get Offers Detailing your Inventory Base

3. Draw on Capital as Stock Rotates & Sells

Send us your current inventory reports, raw goods, and material lists, so our team can evaluate your inventory stock. We review the types of goods you hold to determine what qualifies for funding and calculate the total liquid value trapped in your warehouse.

You approve one of the term sheets backed entirely by your raw materials or finished products, advancing up to 50% of their Net Orderly Liquidation Value (NOLV). This dynamic credit framework ensures your borrowing limits automatically scale whenever you restock your warehouses.

Draw down funds on-demand to purchase raw materials or make bulk inventory purchases ahead of peak sales seasons. As your finished products move through the checkout and convert into cash or accounts receivable, you pay down the line and free up your credit availability.

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With access to 60+ financing partners, we guarantee you multiple paths to close, provided you qualify.

$ 0 M

Since September, 2023, we’ve deployed $114M+ to clients across an array of industries.

how it worksDe-Risk Locking Up Capital with Inventory Financing Liquidity

Discovery Call

We begin with a discovery call to ask some very high level questions, just to see if we can even help.

Internal Underwriting

If we feel as though we may be able to help you, we request basic financial documents to underwrite.

Underwriting Call

We stress test the business and discuss what asset based solutions are available to you.

DFY Underwriting Narrative

We complete a Done-For-You underwriting narrative to position your deal in the best light possible.

Source Capital

We then identify 2-3 asset based financing institutions with the highest odds to term sheet.

Secure Capital

Sourcing isn't enough, because deals fall apart all the time. At Capital Desk, you have certainty to close.

What is Inventory Financing?

Inventory financing is a revolving line of credit or short-term loan backed by the products your business holds in stock. It allows you to unlock the cash tied up in your raw materials and finished goods so you can re-invest in growth immediately.

How does it work?

You provide us with your current inventory reports and asset list, and our team determines the liquidation value of those goods. Once approved, we establish a line of credit that lets you draw cash on-demand, which you pay back as your stock rotates and sells.

Do I qualify for inventory financing?

To qualify, your business must typically have a consistent sales history and hold a minimum volume of inventory in a secure warehouse or logistics facility. We evaluate the overall marketability and turnover speed of your stock rather than relying strictly on your personal credit score.

Which inventory can I finance?

You can finance finished goods ready for resale, bulk raw materials, and high-demand components that hold clear market value. We generally cannot fund highly customized items, perishable goods with a short shelf-life, or outdated materials that are difficult to liquidate.

Fast and efficient. You can trust they'll do the right thing because they put money on the line.

Pablo R.CFO of Electronics Manufacturer

Working with Capital Desk has made raising capital so simple. Their process is fast, efficient, and they always have a back-up option, just in case.

John A.CEO of CPG Company

We had a deal fall apart in the last minute and the Capital Desk was able to find a competing, and even better, offer that closed. We are so thankful for them.

Sheryl T.CEO of Digital Media Company

Capital Deployed since late 2023

$ 0 M+

Asset Based Financing for $3M-$100M Companies