Fund your stock purchases before your customers pay you. Finance inventory, import orders, and purchase orders without tying up your working capital or waiting on slow-paying customers.
At EasyAsset, inventory finance is a core business lending specialisation. Whether you need to fund a seasonal stock build, an import order from overseas suppliers, a specific large purchase order, or a revolving inventory line that grows with your stock requirements, we work with specialist lenders who understand how retail, wholesale, and import businesses operate. We help retailers, e-commerce businesses, wholesalers, importers, and distributors fund the stock that drives their revenue without waiting on slow-paying customers or draining their working capital.
Inventory finance matches your funding to the stock cycle: you borrow to buy stock, you sell the stock, you repay the facility, and you draw again for the next order. Here is the exact sequence.
A retailer receives a large order from a major customer, an importer needs to pay an overseas supplier before goods ship, or a wholesaler needs to build stock ahead of a seasonal peak. The need to pay for stock before receiving revenue is the core problem inventory finance solves.
For trade finance, you submit the purchase order or letter of credit requirement. For a revolving inventory line, you notify the funder of the stock you are drawing against. Modern platforms accept this via a portal or integration with your inventory management system.
Often processed within 24 hours on an active facilityFor import finance, the funder pays your overseas supplier directly against the purchase order, removing the need for you to have cash in your account when the order is placed. For domestic stock finance, funds are advanced to your account to pay suppliers.
Supplier paid, goods shipped, stock on its wayThe goods arrive, you receive them into your warehouse or fulfillment centre, and you sell at your standard pricing. The funder has no involvement in how you price or sell your stock once it is in your hands.
As customers pay you, you repay the drawn portion of the facility. On a revolving line, repaid amounts immediately become available again for the next stock order. The facility resets automatically, funding your next buy cycle without a new application.
Facility resets, ready for next orderFour related products targeting different stages of the stock cycle. The right one depends on whether your stock is domestic or imported, and whether you are funding a specific order or an ongoing stock line.
A revolving facility secured against your existing stock. The funder takes a charge over your inventory and advances a percentage of its wholesale value. As stock sells and you repay, the facility resets for your next purchase cycle. Best for wholesalers and retailers with ongoing stock requirements.
Covers the gap between paying an overseas supplier and receiving the goods in Australia. The funder pays your supplier directly against a confirmed purchase order or letter of credit, then you repay once the goods arrive and are sold. Best for importers with lead times of 30 to 120 days.
Funds a specific confirmed purchase order where you have been awarded a contract or large order but do not have the cash to buy the stock or raw materials to fulfil it. The funder advances against the confirmed order rather than existing inventory. Best for a one-off large order situation.
A facility specifically structured to fund seasonal stock builds such as Christmas, EOFY, winter or summer ranges. Draw is timed to the buying cycle, repayment is timed to the selling season. Limits are set based on your historical seasonal stock levels and sell-through rates.
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Question 1 of 4
Where does most of your stock come from?
Most Australian businesses that buy and resell goods can access inventory finance if they have a clear stock cycle and consistent revenue from stock sales.
Inventory finance looks different across different business types. Here is how it works for three common situations.
Indicative figures only. Advance rates and fees depend on your stock type, trading history, and facility structure.
Inventory finance costs depend on your stock type, advance rate, and how long the facility is drawn before being repaid. Here are the main components.
Applied to the amount advanced against your stock. Fast-moving, high-quality stock attracts lower rates. Seasonal or slower-moving stock typically attracts higher rates to reflect the lender’s risk of stock not selling at the anticipated value or timeline.
A one-off setup fee charged when the facility is first established. Covers the cost of stock assessment and legal documentation. This is typically higher for inventory finance than for cash flow facilities because the lender needs to assess and take a charge over the stock.
Many inventory lenders require periodic stock audits to verify the value and condition of the inventory securing the facility. Frequency varies from monthly to quarterly depending on the lender and the facility size. Some lenders accept your own stock reports in lieu of physical audits.
For import or trade finance, additional fees cover the cost of paying overseas suppliers, currency conversion, and letter of credit issuance. These are typically charged as a percentage of the order value and are separate from the monthly facility rate that applies during the shipping period.
Adjust the sliders to estimate your repayments. Speak with our team for an exact quote based on your profile.
Inventory finance has specific tax and accounting treatment that differs from other business loans. Here is what your accountant needs to know.
Fill in the quick form above. Tell us your monthly stock purchase volumes, where your stock comes from, and whether you need an ongoing revolving line or a specific seasonal or import facility.
A specialist reviews your stock type, trading history, and sell-through data and matches you to inventory funders from our panel of 50+ who understand your specific product category and supply chain.
Setup typically takes 5 to 10 business days on first application as the lender assesses your stock and establishes the security charge. Seasonal facilities are best set up 4 to 6 weeks before your buying season begins.
Once active, draw against each purchase order as needed. As stock sells and customers pay, repay the facility. It resets automatically, ready for your next buy cycle without re-application.
Free · No credit check · Set your facility up before your next buying season · Australian team