Inventory Loans

We are a full-service commercial lending company that provides funding for businesses of all sizes and types. Our goal is to give you access to the best possible loan options to support your company’s success.

We provide a full range of services to help you manage your business’s cash flow and reduce risk by providing access to working capital, including inventory loans.

Loan Amount

$100k – $50M

ESTIMATED REPAYMENT TERMS

Up to 25 years

Starting @ 8%

Starting @ 8%

SPEED OF FUNDING

As fast 2 days

JD Rowe Financial Offers Effective Inventory Financing

We customize our inventory financing programs to meet each client’s specific needs. We link our clients to lenders with flexible terms, competitive rates, and fast turnaround times for inventory loans.

Contact us today to learn more about how we can assist you in obtaining an inventory loan solution

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Business Lending Denver

What is Inventory Lending?

An inventory lending program allows you to borrow against the value of your company’s inventory without having to sell it first. This type of borrowing gives you access to funds when you need them most, like seasonal business fluctuations. It also helps protect your company by providing an alternative source of funding if required.

Why Should I Consider Inventories as A Source of Funding?

When looking for ways to finance your business, consider using inventories as collateral. They provide several advantages over traditional funding sources, such as bank lines of credit and equity investments. For example, they allow you to get money quickly while still protecting your assets.

Business Lending Denver
Inventory Loans

How Does an Inventory Loan Work?

The process begins simply enough. You submit information about your business, including its size, location, industry, number of employees, sales volume, profit margin, etc., along with copies of invoices showing what products you’ve sold and the amount received. Once we review this data, we’ll determine whether you qualify for our inventory loan service based on your circumstances. If so, we will then contact one of our lenders, who specializes in inventory financing.

Types of Inventory Loans

There are two basic types of inventory loans offered through JD Rowe Financial: short-term and long-term. Both offer flexible repayment schedules and competitive rates. We work closely with each client to ensure we meet their specific requirements.

Short Term Inventory Loans

These loans typically range between $10K-$50K and require payback within 30 days. The amount borrowed depends on the total dollar value of your inventory and the length of time you want to use the funds.

Long Term Inventory Loans

These long-term loans usually run six months to 24 months and carry higher interest rates. However, they’re ideal for companies needing more flexibility since they don’t expire until repayment of all outstanding balances.

Other Types of Inventory Finance Options Available Through JD Rowe Financial

We understand that every business has different needs and objectives. That’s why we can help you find a solution tailored specifically to meet those needs. Some examples include:

  • Working capital loans enable you to purchase raw materials, pay bills, make payroll, buy equipment, etc.
  • Factoring accounts receivable where you receive cash immediately after customers’ checks clear.
  • Equipment leasing options where you lease new or used machinery instead of buying it outright.

If you’d like to learn more about our inventory financing services, please call today.

Why Use Us for Inventory Loans?

At JD Rowe Financial, we know that when it comes to working capital, timing is everything. Our goal is to give you access to funding fast without sacrificing quality. To accomplish this, we partner only with top-rated banks and reputable third-party providers.

Business Lending Denver

We keep costs low and pass savings onto you. Plus, we guarantee prompt approval decisions from qualified lenders. If you need an inventory loan now, let JD Rowe Financial create a customized package designed just for you!

Business Loans Denver - JD Rowe Financial

What Are the Benefits of Inventory Loans?

Inventory loans give companies a financial solution to cash flow issues. Access to cash supports daily operations, helps cover everyday business expenses, and opens the door to business opportunities.

  • Access to Cash – When you have money coming into your company but not yet available as cash, borrowing against future income provides a solution for you to meet the financial obligation. With an inventory loan, you can borrow against the current market value of your inventory.

  • Works as a Line of Credit – Certain inventory lending allows the borrower to structure the loan as a line of credit. In other words, you can draw down additional amounts at any point in time up to the originally approved amount.

  • Flexible Repayment Terms – Most inventory loans come due over a set period. We help you find suitable monthly payments, interest rates, and other loan details to support your business operations. However, most inventory financing offers more flexibility than traditional bank loans.

  • Doesn’t Require Additional Collateral – You do not need additional collateral to secure an inventory loan. Instead, you pledge the inventory as collateral for the loan.

  • Quick Approval Process – We work directly with top-rated commercial lenders who specialize in providing short-term financing to businesses. They typically process applications quickly, especially when compared to traditional business loans

What Types of Businesses Use Inventory Loans?

There are two main types of companies that use inventory loans: manufacturers and wholesalers or distributors. Both industries rely on quick access to funds so they can continue operating during times of economic uncertainty.

Manufacturers typically finance their inventories through factoring because it provides immediate liquidity. Wholesale distributors usually take out short-term term loans because they want the flexibility to cover unexpected expenses.

Are Inventory Loans Secured?

The inventory acts as collateral for the loan meaning the inventory connected to the loan secures the loan. However, additional collateral outside of the inventory isn’t usually required.

Need help in making better financial decisions?

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Make JD Rowe Financial Your Partner for Inventory Lending

JD Rowe Financial finds solutions to help meet business goals for our clients. We open the door for business growth through the best business financing solutions.

We use our experience and expertise to connect you to alternative financing options based on your unique business credit history and inventory flow.

Contact us today to learn more about how to grow your business’s borrowing capacity with inventory lending.

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