RETAIL
INVENTORY FINANCING
Retail inventory financing at as low as 1% per month
Kickfurther offers financing for up to 100% of your inventory costs with flexible payment terms, allowing you to pay only when your inventory sells. Through retail inventory financing, you can fund your entire order with Kickfurther each time you need more stock, enabling you to grow your business without taking on debt or giving up equity.
- Typically 30% lower cost than alternative lenders and factors
- Secure funding for $5,000,000+ in inventory
- Customize your payment schedule (1-10 months)
- No payments required until revenue is generated
What Is Retail Inventory Financing?
Retail inventory financing is a specialized form of funding tailored to meet the unique needs of retail operations. Retailers require a steady flow of inventory to keep their businesses running smoothly, and traditional financing options may not always be the best fit. Retail inventory financing provides a solution by allowing business owners to purchase inventory now and pay later, often after the inventory has been sold. This type of financing fills the gap when external funds are needed, without depleting a retailer's cash reserves.
How Retail Inventory Financing Supports Business Growth
Unlike traditional loans, retail store financing uses your current stock as collateral to access additional capital. This allows retailers to maintain full shelves while freeing up cash flow for other crucial aspects of the business, like marketing, expansion, or day-to-day operations. As retail demands continue to shift, various options have emerged, from loans that collect a percentage of sales to more flexible payment terms aligned with the retail cycle.
While retail inventory financing and wholesale inventory financing serve a similar purpose, the key difference lies in the scale. Wholesale financing typically applies to bulk purchases by wholesalers or distributors supplying retailers. Both options leverage future sales to fund current inventory needs, helping businesses stay competitive in a dynamic marketplace.
How Does Financing for Retailers Work?
Retail financing offers flexible options to help businesses manage their cash flow and inventory needs. A retail financing company provides access to capital through various loan structures, such as business equity loans, lines of credit, or platforms like Kickfurther, which allow you to secure working capital from buyers. These versatile solutions are designed to support your growth by providing the funds necessary to cover expenses, stock up on inventory, or expand your operations.
Key Benefits of Retail Inventory Financing
Improved Liquidity
Retail inventory financing helps preserve cash reserves by providing working capital for maintaining and expanding inventory, particularly during peak sales periods. This ensures you can meet demand without facing the cash flow challenges often associated with traditional loans. By financing inventory, retailers can maintain smooth operations without depleting available funds.
Growth Opportunities
Access to retail inventory financing frees up capital that would otherwise be tied up in stock. This allows retailers to invest in growth initiatives, such as expanding product lines, marketing, or even entering new markets. For startups and small retailers, this form of financing is particularly valuable, enabling them to compete more effectively and seize new opportunities.
Improved Access to Capital
Because retail inventory financing is backed by your existing stock, it’s easier for retailers to secure funding even if they don’t qualify for traditional, unsecured loans. This opens up financing opportunities for a wide range of businesses, from small specialty stores to large warehouse outlets, giving retailers of all sizes access to the capital they need for growth.
Which Retailers Can Benefit the Most from Retail Inventory Finance??
Retail inventory financing is an invaluable resource for a variety of retailers, including:
- Specialty Stores: Independent shops that offer niche products, such as jewelry or beauty supplies, benefit from inventory financing to keep shelves stocked and meet customer demand.
- Seasonal Retailers: Businesses like holiday decoration outlets rely on inventory financing to prepare for high-demand seasons without straining their cash flow.
- E-commerce Retailers: Online stores use financing to update their inventory and remain competitive in the fast-paced world of internet retail.
- Fashion Retailers: Stores that need to keep up with rapidly changing trends can use inventory financing to stay ahead of the curve.
- Electronics and Automotive Parts Shops: Retailers that require a diverse stock of products can use financing to offer the latest models and parts before competitors do.
Take Control of Your Retail Business Growth with Kickfurther
Managing costs while growing your business can be a challenge, especially when increasing inventory is crucial to keeping sales flowing and customers satisfied. Kickfurther offers a solution by putting you in control of your biggest expense - retail inventory.
How Kickfurther Empowers Retailers
With Kickfurther, you can stock up without draining your cash reserves, ensuring your customers receive products faster while freeing up capital for other critical business needs, like marketing, product development, or expanding your team.
Kickfurther helps retail businesses access funding for inventory directly from marketplace participants at competitive rates. This private funding option allows you to scale your business with flexible, manageable terms. Plus, the process is simple. After creating a free business account and completing the online application, you’ll review potential deals with an account representative. Once approved, most deals are funded within a day—often within hours.
If you’re ready to grow your retail business, why wait? Start by securing the inventory you need with no payments until you begin making sales.
Get started with Kickfurther today!
Where you've seen us
- Create Your online account Create a business account, upload your business information, and launch your deal
- Get funded within minutes to hours Once approved, our community funds most deals within a day, often within minutes to hours, so you’ll never miss another growth opportunity.
- Control your payment schedule We pay your manufacturer to produce inventory. Make the introduction and you’re off and running! Outline your expected sales periods for customized payment terms. At the end of each sales period, submit sales reports and pay consignment profit to backers for each item sold.
- Complete and repeate Complete your payment schedule and you’re done! Often once the community knows you, you’re likely to get lower rates on your next raise.
See Who Else We’ve Helped
Frequently Asked Questions
How can a retail business qualify for financing?
Requirements to qualify for financing can vary depending on the lender and type of loan. It can help expedite the process to have documents such as sales reports, financial statements, business licenses, business plans, identification, and bank statements ready to go. In most cases, lenders or investors will want to see supporting documentation before loaning money. To qualify for inventory funding on Kickfurther you need to sell physical products or non-perishable consumables. You will also need to prove revenue between $400k to $15MM over the last 12 months.
What minimum credit score do I need to qualify for retail business financing?
To qualify for retail business financing, you’ll need a good credit score in most cases. While requirements can vary depending on the lender, most lenders will want to see a respectable financial record and credit score. If you have credit challenges you may need to consider a secured loan or a personal loan.
How inventory financing with Kickfurther can help business growth your retail business
As a growing business, it’s important to keep costs down. As your business grows, costs continue to increase. You must find a way to manage costs and keep profits growing so you can justify additional costs. Retail businesses must stock plenty of inventory to ensure they do not miss any sales. Stocking plenty of inventory can also help make sure customers get products faster.
Kickfurther puts you in control of your business while delivering the costliest asset for most CPG brands. And by funding your largest expense (inventory), you can free up existing capital to grow your business wherever you need it – product development, advertising, adding headcount, etc.
What minimum credit score do I need to qualify for retail inventory financing?
To qualify for retail inventory financing, you’ll typically need a good credit score. While requirements vary by lender, most will expect a strong financial record. If you have credit challenges, you may need to explore secured loans or personal loans as alternatives.
What is the best way to use a retail business loan?
The best way to use a retail business loan usually depends on your business and its goals. A retail business loan should help grow your business and increase profits, despite the additional cost. Retail business loans are a smart solution for purchasing inventory, upgrading equipment, creating inventory systems, and so forth.
What are the requirements to qualify for retail inventory financing with Kickfurther?
Your retail business must comply with state and federal regulations and have an established sales track record. Since Kickfurther specializes in inventory financing, your business must have a physical product. All businesses are subject to approval by the Kickfurther quality team.
Reasons for obtaining retail financing
One of the great things about retail financing is that it can be used for almost any purpose. No matter the reason you need extra capital, retail business financing is flexible enough to meet your daily needs and your potential growth. Retail operations that only need funding for inventory should get funding that is well, exclusively for inventory. Purchasing inventory on consignment can reduce the risk for the backer or lender which can lower the cost of funding for you.
The most common reasons for obtaining retail financing include:
- Purchasing inventory
- Updating equipment
- Marketing campaigns
- Hiring new staff
- Consolidation of expenses
- Building maintenance
- Expansion
How fast will I get funded?
Once approved and your deal goes live, most deals are funded within a day, often within minutes or hours, so you won’t miss out on any growth opportunities.
How can I create a co-op with Kickfurther?
Launching a Co-Op involves three key steps:
- Create a basic profile with information about your business and product line. Once completed, you can go live with an “upcoming Co-Op” profile that users can follow to be notified when your Co-Op launches.
- Determine your Co-Op structure using the Kickfurther calculator to plan costs, earnings, and timeline.
- Verify your Credibility Metrics with the Kickfurther team and finalize your Co-Op profile.