WHOLESALE
INVENTORY FINANCING
Lower Costs, Higher Limits: Wholesale Inventory Financing Made Simple
Kickfurther offers wholesale inventory financing that covers up to 100% of your inventory costs with flexible payment terms—you don’t pay until you sell. We fund your entire order whenever you need more inventory, freeing up your capital to grow your business without adding debt, sacrificing equity, or tying up cash in stock.
- Up to 30% lower cost than alternative lenders
- Secure funding of $5,000,000+ for your warehouse inventory
- Customizable payment schedules (1-10 months)
- Sell your inventory before making a payment
What Is Wholesale Inventory Financing?
The economy relies on businesses that buy inventory in bulk. Conversely, many brands often set a goal of receiving wholesale orders. For many, this is a sign that they’ve “made it,” and rightfully so—it indicates a strong product, it validates the belief in a market for that product, and wholesale orders can often be the largest revenue source for brands.
Managing Cash Flow for Wholesale Orders
While receiving a wholesale order is a watershed moment that carries due excitement, it can often be followed by the question, “How do I pay for wholesale orders?”
Wholesale orders are often large, and while the revenue after you receive payment from the retailer can be lucrative and change the trajectory of your company, many brands report insufficient cash on hand to immediately fund a manufacturing run to produce the ordered inventory. There’s no shame in that—many brands are in a similar situation, but it shouldn’t hinder your ability to seize the opportunity.
Wholesale inventory financing is designed to help with the sudden need for more inventory to fill a wholesale order and to help smooth over the challenges of supply and demand where you need to pay for inventory over a shorter period than you’ll receive revenue from that inventory. In short, wholesale financing offers short-term capital enabling businesses to seize opportunities presented to them regardless of their current capital.
Similarly, if you are a wholesaler, you may need short-term capital for bulk purchase finance that you’ll then distribute across one or more sales channels. Inventory funding also works well for this practice to cover your initial purchase so that you don’t deplete all cash reserves by buying stock and then waiting on payment from retailers.
How Wholesale Inventory Financing Works
Wholesale inventory financing is a straightforward process designed to provide businesses with the capital needed to fulfill wholesale orders.
Here's a Breakdown of How it Typically Works:
- Assessment: You submit an application to a wholesale inventory financing provider, providing details about your business, financial history, and the wholesale order you need to fulfill.
- Evaluation: The provider assesses your application, considering factors such as your creditworthiness, business performance, and the potential return on investment.
- Approval or Denial: Based on the evaluation, the provider will either approve or deny your financing request.
- Funding: If approved, the provider will fund the cost of your wholesale inventory.
- Repayment: You’ll make payments to the provider over a predetermined period, typically aligned with your expected sales cycle.
How Wholesale Inventory Financing Helps Your Business
Maintaining financial flexibility while seizing growth opportunities is essential for scaling your business. As brands grow and take on larger orders, they often need additional funding to cover bigger manufacturing runs and meet production demands outside of their usual schedule. This is a common challenge for many businesses. In fact, it’s the very issue that led to the founding of Kickfurther by an entrepreneur facing the same struggles.
Here’s How Wholesale Inventory Financing Can Benefit Your Business:
Maintain Steady Cash Flow
Even when waiting for clients to pay their invoices, wholesale inventory financing keeps your cash flow moving, preventing disruptions to your operations.
Fulfill Large Orders with Ease
Whether you land a major client or experience a sudden spike in demand, you’ll have the capital needed to meet those orders without straining your budget.
Manage Seasonal Demand Fluctuations
Financing allows you to stock up during slower periods. This way, you’re fully prepared when demand peaks, ensuring you’re not left short-handed during your busiest months.
Receive Funds Faster than Traditional Banks
Unlike many traditional lending options, wholesale inventory financing offers quick access to funds, allowing you to act swiftly on growth opportunities.
Bridge the Gap Between Production and Payment
It eliminates the financial stress of the long waiting period between paying for production a
Kickstart Your Wholesale Orders with Kickfurther
Kickfurther provides up to 100% financing for your inventory costs on flexible terms that you control. Each time you need more inventory, we fund your entire order, allowing you to invest your capital in growing your business without taking on debt or sacrificing equity.
Why Choose Kickfurther for Wholesale Inventory Financing??
No Immediate Repayments
You only start repaying once your inventory begins selling. Customize a repayment schedule that fits your cash flow, so your capital remains free to fuel growth.
Non-Dilutive Funding
Retain full ownership of your business—Kickfurther doesn’t take any equity in exchange for financing.
Not a Loan
Kickfurther isn’t traditional debt. It keeps your balance sheet clean, ensuring you don’t burden your business with liabilities that could limit future financing options or impact your valuation during venture capital rounds or sales negotiations.
Quick and Reliable Access
When it’s time to pay suppliers, Kickfurther steps in to fund your order—providing the capital you need, exactly when you need it.
Kickfurther gives you control over your business’s financial flexibility while covering one of the most significant expenses for consumer brands: inventory. By funding your stock, you unlock capital to invest in growth areas like product development, marketing, and team expansion.
Wholesaler financing is the ideal solution for brands looking to maintain healthy cash flow and secure the inventory they need to serve growing customer demand.
How to Apply for Wholesale Inventory Financing Through Kickfurther
Kickfurther offers a streamlined process to help businesses secure wholesale inventory financing quickly and efficiently.
To qualify, your business must meet certain requirements. You need to comply with all State and Federal regulations and demonstrate a proven sales record. Since Kickfurther exclusively provides inventory financing, your business must deal in physical products. Every business application is subject to a review and approval process by Kickfurther’s quality assurance team to ensure it aligns with our financing model.
Once approved and your deal goes live, funding typically happens within a day—often within minutes or hours—ensuring that you can act swiftly on any growth opportunity.
Fund Your Business Growth Today
Don’t let inventory costs hold you back. Partner with Kickfurther and access the funding you need to expand your business. Apply now and start receiving the capital you deserve.
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
Our FAQ section provides clear and concise answers to common questions about wholesale inventory financing, the benefits of using our services, and more.
Does Kickfurther require collateral for wholesale inventory financing?
Unlike some financing options that require personal collateral, Kickfurther operates differently. Since we fund your manufacturing run and you repay after your products sell, the arrangement is structured as a consignment agreement. Here’s how it works:
Kickfurther provides the funding you need for your manufacturing order, paying your manufacturer directly. The manufacturer produces the inventory and ships it to your designated location, just as if you had paid for it yourself. You fulfill your sales as usual, and repayments to Kickfurther are made for each item sold. Don’t worry about tracking this manually—our technology handles the calculations and sends you invoices as sales are completed.
In this model, the inventory financed by Kickfurther serves as collateral. Should anything happen that prevents repayment, the funded inventory can be used to cover the obligation.
How does Kickfurther offer wholesale financing and how is it different from other financing companies?
Kickfurther funds up to 100% of your inventory costs on flexible payment terms that you customize and control. With Kickfurther, you can fund your entire order(s) each time you need more inventory and put your existing capital to work growing your business without adding debt or giving up equity.
What is a wholesale clothing credit line? How is that different from what Kickfurther offers?
A wholesale clothing credit line is where you open a line of credit with a lender or supplier so you can buy in the inventory when you need it, and pay back the monetary value of what you’ve borrowed (plus interest) at a later date.
This works much like a credit card, which is great, but has a few downsides:
1) You may not qualify for the amount of credit you need to grow
2) The interest rate on clothing credit lines is usually high, which makes it difficult to turn a good profit if you’re working on small margins
If you’re a wholesaler, you likely work on a basis that volume equals profit. You’ve got to increase your volume to see a big profit, but this is often a struggle to do. A line of credit can be the answer to increasing volume, but a high interest rate can cut into the volume-based profit.
Kickfurther offers a different form of wholesale order funding. The cost of funding with Kickfurther is actually a small markup on your production price, which means as long as your margins aren’t razor thin, it can be a terrific way to produce more inventory, earn more profit, and avoid cash flow pinches caused by a loan payment you make well before revenue from the funded goods lands in your account. Sound strange? It might, but it’s actually the system that many businesses report working best for their natural manufacturing and revenue cycles. If you’re wondering how or if it can work for you, just let us know. We’d love to hear about your brand and show you how Kickfurther can be right for you.
In short, Kickfurther allows you to seek the funding you need quickly so you can move forward and serve your clients.
How Can Wholesale Inventory Financing Help My Business?
Maintaining the financial flexibility to cover set expenses while seizing larger opportunities as they arise is crucial to scaling your business. For most brands, as they begin to take on new, larger orders, they need to add a funding tool to their toolbox so that they can fund larger manufacturing runs than usual and off of their typical manufacturing schedule, both of which can pose cash flow issues. If that’s you, understand that’s normal and you’re in good company. This is the issue at the core of Kickfurther; we were founded by an entrepreneur experiencing the same issue. Here are a few of the key ways wholesale inventory funding can help a business at this stage:
- It can help you keep your cash flow moving even when you’re waiting for your clients to pay their invoices
- It helps you fulfil large orders if you suddenly get a big client or if demand increases
- It helps you manage seasonal fluctuations in demand — no longer does ordering inventory during your slower months mean that you can’t afford all of the inventory you’ll need for your strongest months
- It’s much faster to receive than most traditional banks
- It eliminates the stress on your bank account caused by the long period between when you pay to produce inventory and when you finally receive payment for that inventory from retailers
What are the Different Wholesale Order Financing Options?
There are a number of commercial financing options available to companies. Fortunately, there are institutions that specialize in lending to companies looking to fund inventory orders. Options there include:
- Asset-based lending: Here a lender will review the true value of your inventory or the true value of your business to establish a loan amount that could be repaid in assets if the company were unable to repay a loan.
- Invoice factoring: If you’ve received a purchase order, you’ll see it comes with payment terms outlining when you’ll receive payment on the goods you delivered. Some payment timelines can stretch months, instigating a cash flow issue. A factoring company will give you cash immediately for the purchase order. The factor will take a discount (say 10%) in exchange for taking on the risk and delay associated with the purchase order (remember, even a retailer that was once as mighty as Toys‘R’Us experienced difficulties that prevented paying out existing purchase orders, there is a risk the factoring company absorbs).
- Lines of credit: This is like having a credit card. Your lending institution will release a set amount to your account that you can use as needed and pay back as you like within the predefined time period with interest.
- Purchase Order Financing: Covers the whole order, or just a part of it. In most cases, the purchase order company will collect payment for the order directly from the customer, subtract their fees, and then give the rest of the money to you.
How can I create a co-op with Kickfurther?
Launching a Co-Op with Kickfurther involves three key steps:
- Create Your Profile
Start by setting up a basic profile that includes information about your business and product line. Once this is complete, you can go live with an “Upcoming Co-Op” profile that users can follow to stay updated on your Co-Op launch.
- Determine Your Co-Op Structure
Use the Kickfurther calculator to plan the structure of your Co-Op, including projected costs, earnings, and the timeline for repayment.
- Verify Credibility Metrics
Work with the Kickfurther team to verify your business’s credibility metrics, then finalize your Co-Op profile. Once everything is in place, you’re ready to launch.
Does Kickfurther require collateral for wholesale inventory financing?
Unlike some financing options that require personal collateral, Kickfurther operates differently. Since we fund your manufacturing run and you repay after your products sell, the arrangement is structured as a consignment agreement. Here’s how it works:
Kickfurther provides the funding you need for your manufacturing order, paying your manufacturer directly. The manufacturer produces the inventory and ships it to your designated location, just as if you had paid for it yourself. You fulfill your sales as usual, and repayments to Kickfurther are made for each item sold. Don’t worry about tracking this manually—our technology handles the calculations and sends you invoices as sales are completed.
In this model, the inventory financed by Kickfurther serves as collateral. Should anything happen that prevents repayment, the funded inventory can be used to cover the obligation.