Inventory Finance

Inventory finance is a form of working capital that allows businesses to unlock cash tied up in stock. Instead of paying upfront for inventory, a lender provides funding against your stock, enabling you to purchase goods, manage supply chains, and support growth. As inventory is sold, the facility is repaid, making it a flexible solution for businesses with significant stock requirements.

Once your application is approved, you can typically access inventory finance funding within 3–5 business days and repeat clients often experience faster turnaround times.  Funding timelines depend on the complexity of your inventory and supply chain, but at Teybridge Capital Europe, our streamlined process and BRIDGE platform help accelerate access to working capital so you can keep your business moving.

Repayment terms are flexible and designed to align with your sales cycle and inventory turnover. Typically, repayments are made as inventory is sold, with full settlement expected within 3–12 months, depending on your business model and stock profile.

Our valuation considers factors such as market demand, turnover rates, seasonality, and shelf life. We may conduct a physical inventory audit or review detailed inventory records during the application process. We may conduct a physical audit or review detailed inventory records during the approval process to ensure accurate valuation and risk assessment.

We finance a wide range of inventory types including finished goods, raw materials, and work-in-progress inventory. Highly perishable goods or items with very limited shelf life may have different terms. 

Inventory finance and invoice finance are both forms of working capital but are used at different stages of the business cycle: Inventory finance provides funding before goods are sold, enabling you to purchase stock whereas Invoice finance unlocks cash after goods are sold, based on unpaid invoices. Many businesses use both solutions together to manage their full cash flow cycle and Teybridge Capital Europe provides both of these financing options.

Our inventory finance facilities typically start from €500,000, although we can structure solutions around your specific requirements. We work with growing businesses that need flexible working capital to fund stock purchases, manage supply chains, and support expansion.