Inventory finance
Inventory, an often under-used asset
Raw materials, work in progress, finished goods: inventory weighs heavily on working capital, especially during growth, strong seasonality or supply tension. Standard bank lines rarely give it its full value.
Specialist funders lend directly against this asset: the amount available is calculated on the value of eligible inventory, after a haircut, and moves with it.
How it can be financed
Inventory pledge
Inventory secures a facility, with or without dispossession depending on the structure.
With or without third-party custody
Inventory can stay under your control or, depending on the structure, be entrusted to a third party who controls it on the funder’s behalf.
Borrowing base
A single facility backed by inventory and receivables, recalculated regularly.
Transactional finance
Funding tied to a specific order or purchase, repaid on sale.
Seasonality
Capacity that rises ahead of peak season and comes down with sales.
Growth
Funding the inventory new contracts require without waiting for equity to catch up.
Our approach
Assessment
Need, timing, assets and existing commitments: we measure what can be financed and on what terms.
Funder file
A clear file, prepared once, in the format specialist funders expect.
Targeted approach
We approach the funders that fit your situation, without broad circulation.
Set-up and follow-up
Terms, security, documentation, timing: we follow the set-up through to first drawdown.
Youllsee advises and does not lend: we prepare your file and present it to the right funders, alongside your bank partners.
Frequently asked questions
Which inventory can be financed?
Mainly inventory that is identifiable, measurable and resaleable: standardised raw materials, finished goods, merchandise. Work in progress and highly specific products are harder to finance.
What share of the value can be financed?
It depends on the type of inventory, its turnover and its resale value. The funder applies a haircut to the value of eligible inventory.
Is a perpetual inventory needed?
Reliable inventory tracking is essential: periodic statements of quantities and values, and sometimes on-site checks.
Is this compatible with my bank lines?
Yes, usually as a complement. Coordinating with existing banks and security already granted is part of the preparation.
Can your inventory fund your growth?
A first 30-minute call with our team, confidential and with no commitment.