SCALE
Stocking finance allows businesses to scale without the upfront cost of purchasing high value items upfront.
the low down
Is an Stocking Finance right for you?
Stocking finance is a form of credit used by businesses that need and sell high-value stock (car dealers are a good example) to help them stock their businesses. It helps businesses avoid having all their cash tied up in stock.
The business usually has 90 days to sell the stock or buy back the asset at the end of this period. Once the asset is sold, the funder will be notified and repaid, and the title will be released. For the product to work, there must be an element of good faith and trust in the funder/business relationship.
At Sedulo Funding Solutions, we have access to the whole UK finance market and we make business finance easy.
Fancy booking a call (or meet-up) with our team of experts? We can get you a no-obligation quote.
COST
Because the facility is secured against easily sellable assets, the cost of the finance is generally low.
SECURITY
Minimal personal security is required due to the facility being secured predominantly against the asset.
Connect With AnExpert
Bring your ideas to life, fast
With access to over 150 lenders, we can help make your plans a reality.
Recent deal
Buy to Let Remortgage organised in under four weeks
Funding Stories
Laurence Mills
Read case
Recent deal
High-street commercial term arranged for MOT and Repair Garage
Sedulo reduced the business’s monthly payments by consolidating unsecured debt which was used to purchase the long leasehold of their headquarters.
Funding Stories
Laurence Mills
Read case
Recent deal
£215,000 Asset Finance deal for a large e-commerce business
The garden retailer needed to expand their fleet of vehicles with a number of brand-new vans.
Funding Stories
Carl Finlayson
Read case
Our Answers To Your Questions
We’ve put together a list of common Business Loan FAQs. If there’s something you want to know and you can’t find the answer here, get in touch with our team of finance experts.
If the inventory doesn’t sell as quickly as expected, the business may still be obligated to make the scheduled repayments to the finance provider. Some finance providers may offer flexible terms or extensions, but businesses should carefully manage their stock levels and sales forecasts to avoid cash flow issues.
Unlike a traditional business loan, which provides a lump sum of cash for general business purposes, Stocking Finance is specifically tailored for purchasing inventory. The repayment of Stocking Finance is often structured to coincide with the sale of the financed inventory, providing a more flexible and aligned repayment schedule.
The costs associated with Stocking Finance typically include interest on the amount financed and any associated fees charged by the finance provider. The interest rate and fees may vary based on factors such as the business’s credit profile, the value of the inventory, and the terms of the financing agreement.
0+
Lenders
A Team Of Finance Experts, On Your Side
Whether you’re looking to obtain funding to take on the next stage of business growth or access working capital to cover costs, it’s important to have a team of experts on your side.
Our experienced funding team operates out of each city centre office in Manchester, Leeds, Liverpool, London and Birmingham. We’re available to meet face-to-face so that we can better understand your business and talk you through your funding options, or we can assist over the phone – whichever you’d prefer!
Speak to an expert and start your business growth journey.
