Stock is cash sitting on a shelf
Every product-based owner knows the tension. You need inventory to make sales, but buying inventory ties up the cash you would otherwise use to run the place. When a strong buying opportunity shows up, the question is not whether it makes sense. It is whether you can fund it before it is gone.
Three situations we hear about
The bulk discount
A tile and flooring showroom is offered a meaningful discount on a full truckload if it commits this week.
The seasonal build
A sporting goods retailer needs to stock up on winter gear in early fall, months before those sales arrive.
The new account
A food distributor lands a regional grocery account that requires carrying twice its usual stock.
Each is a different reason, but all three come down to timing.
How quickly it can come together
People search for same-day inventory funding because the opportunity is right now. We will not promise funds the same day. What we can say is that decisions move fast and qualified businesses can be funded in as little as 24 hours. Anything faster depends on the file and your bank. Having the supplier quote and your statements ready helps more than anything else.
Matching the product to the purchase
- Working capital suits a single, sizeable order.
- A business line of credit suits frequent restocking.
- A merchant cash advance suits stores with steady card sales that will turn the inventory quickly.
Retail owners can also read fast funding for retail.
What the application needs
This program is built for established businesses doing $60K or more a month. The 5-minute application starts with a soft credit pull. Plan on about three months of business bank statements. No tax returns required, FICO 500 and up considered, and sole proprietors can apply. Requests range from $25,000 to $5,000,000, all through our partner Merchant Fund Express.
Frequently asked questions
Can inventory funding come through the same day?
We do not promise same-day funds. Qualified businesses can be funded in as little as 24 hours, depending on the file and the bank.
Do I need to show the purchase order?
It helps. A supplier quote or purchase order makes the purpose of the funds clear and can make the review smoother.
Is the inventory used as collateral?
That depends on the product and agreement. Merchant Fund Express will lay out the terms before you accept.
Does a seasonal dip in my statements hurt?
Mention seasonality when you apply. Reviewers look at the pattern of deposits, and context helps them read it accurately.
Is Eagle providing the money?
No. Funding is provided through our partner Merchant Fund Express.
How much inventory funding should I request?
Start with the supplier quote, then add any freight or receiving costs that come with it. Requests from $25,000 to $5,000,000 are considered. Sizing the request to a specific order, rather than a round number, makes the purpose clear and keeps repayment in proportion to the sales that inventory is expected to bring in over the coming months.