Inventory & AR Financing for Retail & Ecommerce
You have $150,000 in purchase orders from major retailers. You have $80,000 in Amazon settlements pending. You have $60,000 in wholesale receivables outstanding. This value can be converted to immediate capital to fund inventory, growth, and operations.
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AR & Inventory Financing for Retail
Retail and ecommerce businesses often have substantial value tied up in purchase orders, wholesale receivables, and marketplace settlement timing. This value can be converted to working capital.
Purchase Order Financing
Large POs from major retailers represent committed revenue. PO financing advances against these orders so you can fulfill them.
Wholesale Receivables
If you sell wholesale to other retailers, those receivables represent real value. Advance against pending wholesale payments.
Marketplace Settlements
Amazon, eBay, and marketplaces hold funds during settlement periods. Some providers advance against pending settlements.
Inventory as Collateral
Existing inventory can serve as collateral for inventory financing, enabling purchases without depleting cash.
The Retail AR & Inventory Challenge
Value tied up in orders, receivables, and settlements can be unlocked.
Purchase Order Opportunity
Major retailer wants $200,000 order. You need capital to manufacture or purchase inventory to fulfill it.
Wholesale Payment Timing
Wholesale customers pay in 30-60 days. You need cash now for operations or more inventory.
Marketplace Settlement Delays
Amazon holds funds for 14+ days. Other marketplaces similar. Cash tied up in settlement processing.
Growth Capital Locked
Value tied up in orders, receivables, and settlements cannot fund new inventory or expansion.
Seasonal Inventory Build
Holiday inventory needed. POs committed. Need capital to fulfill before peak season.
Supplier Payment Terms
Suppliers want payment. Customer payments coming but not yet received.
AR & Inventory Financing Process
Convert orders and receivables to working capital.
Application
Complete application with business information and financing needs.
15 minutes
Documentation
Provide POs, AR aging, marketplace statements, and bank statements.
Gather documents
Verification
We verify orders, receivables, and settlement accounts.
24-72 hours
Advance
Receive advance against verified POs, AR, or settlements.
24-72 hours
Unlock Value in Orders and Receivables
Purchase orders, wholesale receivables, and marketplace settlements represent real committed revenue. Convert this value to immediate working capital for inventory, fulfillment, and growth.
Purchase Order Financing
Advance against committed POs from creditworthy retailers. Fulfill large orders.
Wholesale AR Advance
Advance against outstanding wholesale invoices. Get paid before customers pay.
Marketplace Settlements
Some providers advance against pending Amazon, eBay, and marketplace settlements.
Inventory Financing
Use existing inventory as collateral for inventory loans.
Fast Funding
Once verified, advances typically fund within 24-72 hours.
Scale With Growth
Finance more as orders and receivables grow. Natural scaling.
AR & Inventory Financing Applications
Common scenarios where this financing helps retailers.
Large PO Fulfillment
Major retailer PO requiring inventory investment to fulfill.
Typical funding: $50K-$300K
Wholesale AR Bridge
Advance on outstanding wholesale receivables.
Typical funding: $25K-$150K
Marketplace Settlement
Advance against pending Amazon or marketplace settlements.
Typical funding: $20K-$100K
Inventory Build
Use inventory collateral for additional inventory financing.
Typical funding: $30K-$200K
Seasonal Fulfillment
Finance seasonal order fulfillment with PO financing.
Typical funding: $50K-$250K
Supplier Payment
Pay suppliers while awaiting customer payments.
Typical funding: $25K-$150K
AR/Inventory Financing vs. Other Options
Understanding how this differs from traditional financing.
| Feature | AR/PO Financing | Working Capital | Bank LOC |
|---|---|---|---|
| Based On | Orders/receivables | Overall business | Business + credit |
| Scales With Orders | Yes, automatically | Fixed amount | Fixed limit |
| Creates Debt | Often no (sale of AR) | Yes | Yes when drawn |
| Speed | 24-72 hours | 3-14 days | 7-14 days |
| Customer Credit Impact | Primary factor | Minor | Minor |
| Best For | B2B, wholesale | General capital | Variable needs |
| Retail PO Use | Excellent | Not designed for | Not designed for |
| Marketplace Sellers | Settlement advance | Standard | Standard |
AR & Inventory Financing Requirements
What qualifies retail businesses for AR and inventory financing.
Creditworthy Customers
POs or receivables from creditworthy retailers or businesses.
Major retailers, B2B
Verified Orders
Documented purchase orders or invoices.
Clear documentation
Business History
Track record of fulfilling orders and collecting receivables.
1+ year preferred
Clean AR Aging
Current AR with limited old or disputed receivables.
80%+ under 60 days
Inventory Quality
For inventory financing, saleable inventory with market value.
Quality inventory
Active Operations
Operating business with ongoing orders and sales.
Active business
Customer creditworthiness is more important than your personal credit for PO and AR financing.
Real Results
Coastal Accessories
Fashion Accessories Wholesale, California
The Challenge
Coastal received $180,000 PO from major department store for holiday season. Needed $120,000 to manufacture and fulfill. Traditional financing too slow.
The Solution
PO financing advanced 70% ($126,000) against the verified purchase order. Funds used for manufacturing and shipping.
The Result
Order fulfilled on time. Department store paid in 45 days. Financing settled from payment. Relationship established for ongoing PO financing.
“The department store order was our biggest ever. Without PO financing, we would have had to pass on it. Now they're our biggest account.”
AR & Inventory Financing Data
Statistics on trade and receivables financing.
AR & Inventory Financing Advantages
Why this financing works for retail with receivables.
Fulfill Large Orders
Accept and fulfill POs that would otherwise exceed cash capacity.
Customer Credit Leverage
Strong customer creditworthiness enables favorable terms.
Not Traditional Debt
AR financing is often a sale of receivables, not debt.
Scale With Orders
Finance grows as orders grow. Natural scaling.
Supplier Payment
Pay suppliers while awaiting customer payment.
Growth Enablement
Take larger orders and grow without cash constraints.