Stock Finance for Wholesalers
Wholesale businesses hold significant capital in inventory. Stock finance converts this inventory into available working capital by providing a revolving credit facility secured against your warehouse stock. As you sell and replenish, the facility cycles with your trading.
For wholesalers, stock finance is often combined with invoice finance to create a complete working capital solution: stock finance funds the buying, invoice finance funds the selling.
Key Benefits
- Release working capital locked in warehouse inventory
- Combine with invoice finance for full working capital cover
- Facility grows as your stock holding increases
- Secure bulk purchase discounts from suppliers
Frequently Asked Questions
How is wholesale stock valued?
Stock is valued at cost price (not sale price). Lenders may require independent stock valuations for higher-value facilities. Regular reporting of stock levels, composition, and ageing is typically required.
Can I finance goods in transit?
Some providers include goods in transit within the facility, provided they are insured and the transit documentation (bill of lading, delivery note) is available. This is especially useful for importers.
What types of stock are eligible?
Non-perishable, identifiable, saleable stock is ideal. Raw materials, finished goods, and components are all eligible. Perishable goods, bespoke items, and hazardous materials may be excluded or attract lower advance rates.
How often are stock checks done?
Typically quarterly for smaller facilities and monthly for larger ones. Some lenders use technology (e.g., integration with your inventory management system) to monitor stock levels in real time.
Related Funding Options
Invoice Finance for Wholesalers
Fund stock purchases and bridge payment gaps with invoice finance for UK wholesale businesses. Release cash from B2B invoices within 24 hours.
Trade Finance for Wholesalers
Fund stock purchases from international suppliers. Trade finance for UK wholesale and distribution businesses.
Unsecured Business Loans for Wholesalers
Stock purchasing and growth funding for UK wholesale businesses. No property security required. Fast decisions.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.