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Inventory Financing

Asset Based

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

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

inventory financingUnlock Capital Tied up In Finished & Raw Goods

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.

What Inventory Financing is Best For

Inventory Financing helps businesses unlock working capital by borrowing against the value of their inventory. It is ideal for manufacturers, wholesalers, distributors, retailers, and consumer product companies that carry significant inventory or need additional capital to purchase inventory ahead of seasonal demand or anticipated growth. Businesses can use Inventory Financing to support operations without liquidating inventory or straining cash flow.

Key Benefits of Inventory Financing

Inventory Financing allows businesses to convert inventory into a source of working capital while continuing to sell those goods in the ordinary course of business. It helps preserve cash, improve purchasing power, prepare for seasonal demand, and support growth without requiring an immediate equity investment or traditional term loan. As inventory levels increase, financing capacity may also grow.

The Capital Desk Advantage

Inventory Financing requires lenders who understand your products, inventory turnover, and supply chain. Capital Desk works with banks, asset-based lenders, and specialty finance companies that regularly finance inventory across a wide range of industries. We structure each facility around your inventory profile and business objectives, helping you secure the right financing solution while improving certainty of approval and execution.

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States Served

We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.

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Capital Delivered

Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.

faqFAQs for 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.
 
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.
 
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.
 
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.

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Capital Deployed since late 2023
$ 0 M+