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Retail Inventory 

Financing

We know how difficult it is for small and medium-sized retailers to access adequate retail inventory financing. The challenges that face your industry have also influenced inventory financing lenders, many of whom have fled to safer ground. Traditional lenders, such as banks, are often unwilling to provide a loan against retail inventory if the need is less than $10 million.

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The Challenge
First, it was the global multinationals, chipping away at the market share of independents and smaller regional chains. Then came online shopping, which left slower retailers in its wake. And of course, massive aggregators, like Amazon and eBay, have kept shoppers out of the stores and pushed margins down. On top of all these challenges, you also need to stay one step ahead of ever-changing consumer preferences and respond quickly to changes in an uncertain economy. If your retail business has survived these seismic shifts, then you’re doing something right. But as a retailer, you know that your business is only as strong as the products on your shelf. Your product pipeline, the current assortment, and your ability to keep the shelves stocked are all keys to success for this season and the next. Inventory financing loans could be the answer to keeping your company running smoothly.
 
Why Use Inventory Loans?
Inventory financing consists of short-term loans or a revolving line of credit for companies to purchase the products they intend to sell. Inventory loans are small business loans usually classified as secure, as the business owner uses existing inventory as collateral instead of personal assets. Retailers, wholesalers, and seasonal businesses benefit from an inventory financing loan when they most need it, especially during times of sale fluctuations. The last thing you need to worry about is retail inventory financing or paying your business expenses.
The Solution

Retail inventory financing is part of our longstanding Asset-Based Lending financing service—a core part of our expertise for many decades. With CBF, financing your inventory is straightforward, efficient, and effective.

Get More than an Inventory Loan

But you need more than just a loan; speed and flexibility are the keys to managing change in the retail environment, especially if your business is:

  • Experiencing growth that requires a buildup in your inventory
  • Expanding to one or more new locations
  • Expanding into new segments (e.g., online sales)
  • Vertically integrating your business
  • Overcoming financial difficulties (e.g., managing a turnaround or restructuring)

While CBF can deliver effective retail inventory financing, it works best when your business operates with an effective inventory reporting system.

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Business Loans Designed for Every Type of Retailer

Over the years, we have served Canadian companies across many sectors of the retail industry. We understand the true value of different types of inventory and we’ve provided retail inventory financing to clients operating numerous stores in a variety of geographical locations. Our experience includes working with the following types of stores:

  • Clothing & Textiles
  • Consumer Electronics, and Appliance
  • Cosmetics, Beauty Supply, and Perfume
  • Junior Department
  • Discount Department
  • Furniture
  • Home Centers and Hardware
  • Home Furnishings
  • Internet Retail
  • Jewelry
  • Pet and pet supplies
  • Footwear
  • Sporting Goods
  • Toy and Hobby

It’s much easier for medium and small business owners to obtain an inventory financing loan compared to your average business loan. Lenders don’t judge a business’ credit score as harshly since the loan is secured by existing inventory. When you’re thinking of purchasing inventory, turn to CBF.

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