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Fast inventory funding for deals with a short window

Closeout lots and early-order discounts do not wait. Established businesses doing $60K or more a month can apply in minutes and move quickly.

Fund my inventory

Inventory Funding

Buy the stock while the price is still on the table

Qualified businesses can be funded in as little as 24 hours through our partner, Merchant Fund Express. Anything faster depends on the file and the bank.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Inventory capital that keeps pace with suppliers

Funding in as little as 24 hours

Qualified files can be funded in as little as 24 hours. The 5-minute application needs about three months of statements, no tax returns.

Sales volume carries weight

FICO 500+ is considered and a soft pull starts the review. How well your stock turns into deposits matters.

Total cost before you buy

Your offer shows the full repayment amount before you accept, so you can check the margin. No surprise costs later.

Repay as the stock sells

The repayment schedule is laid out in your offer up front, so you can match it to your sell-through.

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

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.

Apply for inventory funding.

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.

Closeout lot $39,000.00
Holiday preorder $75,000.00
Volume discount $56,000.00
New product line $30,500.00

Example uses for illustration only.

How to improve your chances

Inventory requests read best when sales history backs them up.

  • Keep sales deposits flowing into one account
  • Hold supplier quotes or invoices ready
  • Limit negative-balance days before ordering
  • Show steady sell-through month to month

How Eagle inventory funding compares to a bank loan

Eagle Business Funding
Traditional bank loans
Speed
As little as 24 hours
Often weeks, deal may be gone
Paperwork
About 3 months bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Strong credit usually expected
Cost visibility
Full repayment amount shown up front
Varies by lender and product
Amounts
$25K to $5M
Depends on bank and collateral

Lock in the order while it lasts

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding