Inventory Financing
Aka Amazon Financing
Boost Stock and Drive Growth Effortlessly.
Inventory Financing
Aka Amazon Financing
Unlock your business’s full potential with inventory financing. Convert stock into sales, and grow your business.
Inventory Financing
Aka Amazon Financing
Use it wisely!
With Inventory Financing
Instant
pre-approval
Instant Pre-Approval
When your business is expanding rapidly, it’s important to have the working capital you need to take advantage of new opportunities. But if you’re like most businesses, your inventory is tied up in receivables, which can make it difficult to get the cash you need when you need it. That’s where we come in. BitX Funding offers inventory financing, which allows you to use your inventory as collateral for a revolving line of credit.
Maximum Loan Amount
$500k – $20MM
Loan Term
Revolving
Interest Rates
8% – 15%
Speed
As fast as 15 days
What can I use Inventory Financing for?
Don’t let Amazon’s $1 million credit limit stop you from growing your business.
Getting tied up in receivables is a common problem for businesses of all sizes. But with inventory financing, you can use your inventory as collateral for a loan, which means you can get the cash you need without waiting for customers to order and pay. This can be especially helpful if you want to expand your operations or take advantage of new opportunities.
You can use your working capital to purchase new inventory, expand your operations, and take advantage of new opportunities.
Qualifications:
- $1 mm in inventory
- 2 years in business
- $500K in annual revenue
- > 650 FICO score
Benefits of Inventory Financing:
- Take Advantage of opportunities
- Improve cash flow without tying up your receivables
- Purchase or create new inventory at a high velocity
- Get a simple and easy application process
Unleashing Success Through Strategic Inventory Financing with BitX Capital
Unlock the potential of your business with BitX Capital, the ultimate source for inventory financing. Experience the top three benefits that will transform your business journey.
Experience the joy of having inventory on hand, ready for sale, and the confidence that comes with maintaining a safe stock. Transform your business trajectory with BitX Capital, where your success is our priority.
Why Bitx
How To: The BitX Process
BitX highly values the small business community and ensures that you have a quick, easy, fast and frictionless approach to getting the right loan for your needs. Our value proposition is we offer customized services through a large loan marketplace.
A large number of loan options to suit your needs.
An extensive network of lenders for you to choose from.
Various kinds of short term, mid term, and long term loans.
Personal and commercial loans.
A lifetime connection with our customers that’s built on trust.
A rigorous internal process so you can leave the loan searching to us and focus on what truly matters to you.
Inventory Financing
Keep your shelves stocked and your business growing with inventory financing – our flexible financing options make it easy to get the support you need.
BitX is bonded and insured
We are backed by cybersecurity, protecting you against any mishap. You can trust us with your data; we’ve got it encrypted.
BitX comes from experience
The staff assisting you throughout is well-trained and grounded in the best banking practices. BitX has, after all, emerged from problems as a solution.
Small business loan specialists are available 6 days a week
Contact us today to speak with a representative to help you with your business’s needs.
Quickly Compare Loan Offers from Multiple vendor
Applying is for free won’t impact your credit
Talk to a rep at 203-763-1430
Mon-Sat 8am – 6pm EST
Frequently Asked Questions
What industries are eligible for Inventory Financing?
Inventory financing is designed for businesses that deal in tangible products, making it most common in retail, wholesale, manufacturing, and automotive sectors. Retailers and e-commerce merchants frequently leverage this funding to build up stock for peak shopping seasons, covering products like electronics, apparel, and home goods. Vehicle dealerships and heavy equipment distributors rely heavily on a specialized form of inventory financing—often called floor plan financing—to keep expensive showrooms fully stocked. Additionally, B2B wholesale distributors and manufacturers qualify by using their raw materials, components, and finished goods as collateral. Virtually any business selling non-perishable physical products with steady market demand and strong resale value can qualify.
What if I don't have perfect credit?
You don’t need perfect credit to secure inventory financing because the physical stock itself acts as collateral to mitigate lender risk. Instead of focusing strictly on your score, lenders prioritize your business’s monthly cash flow, time in operation, and the resale value of your goods. Alternatively, options like Purchase Order (PO) financing and vendor trade credit rely on your customers’ creditworthiness or supplier relationships rather than your personal credit history. Keep in mind that lower credit scores usually come with trade-offs, such as higher interest rates, shorter repayment windows, and lower loan-to-value ratios. Ultimately, strong monthly sales and fast-moving inventory are often enough to outweigh a fair or poor credit score.
How much money can I get?
Inventory financing typically provides between 50% to 80% of your inventory’s appraised wholesale or liquidation value, with total loan amounts ranging from $10,000 to over $5 million. The exact cap depends heavily on your monthly sales revenue, order history, and how easily your products can be resold if needed. Lenders rarely fund 100% of inventory costs, keeping a safety margin to protect against stock depreciation and holding expenses. Strong cash flow and fast-moving, non-perishable goods will consistently push you toward the higher end of that borrowing limit. As a general rule of thumb, most established businesses qualify for funding equal to roughly one to two months of their usual inventory purchasing volume.
Can my inventory be used as collateral?
Yes, using your physical stock as collateral is the defining feature of inventory financing. Lenders secure the funding by placing a legal lien on your products, giving them the right to seize and liquidate the goods if you default on payments. Rather than focusing on the retail price, lenders evaluate the appraised wholesale or liquidation value to determine how much collateral your stock represents. Standardized, fast-moving, and non-perishable inventory makes the strongest collateral because it is easy for a lender to resell in bulk. This asset-backed setup allows you to unlock working capital while keeping your other business assets, like equipment or real estate, unencumbered.
Who can’t get an inventory finance loan?
Service providers, digital software companies, and dropshippers cannot obtain inventory financing because they do not physically own or store tangible stock to serve as collateral. Businesses dealing in highly perishable goods, custom niche items, or obsolete products are also typically disqualified due to the difficulty of appraising and reselling those assets if a default occurs. Additionally, brand-new startups lacking an operating track record or consistent cash flow will generally fail to meet basic lender criteria. Companies whose assets are already heavily encumbered by blanket liens from existing primary lenders are also ineligible unless those creditors agree to subordinate their claims. Ultimately, any business that cannot provide unencumbered, fast-moving, and easily liquidatable physical inventory will be turned away by lenders.
Where is BitX based?
Our Headquarters is in Fairfield, CT. We operate remotely all over the US, with special emphasis on short-term loans across the states of California, Texas, Florida, Georgia, Connecticut, New York, Colorado, and Washington. So if you need us, we are near you!
