How money moves in this industry
Growth can require larger stock orders and marketing spend while cash is tied up in inventory or delayed by a payment platform.
A practical example
An online brand doubles its seasonal order and pays the manufacturer before the campaign launches.
This illustrates a funding need; it is not a lender eligibility claim or a recommendation to borrow.
Common reasons to explore finance
- Inventory orders
- Marketing campaigns
- Warehouse systems
- International sourcing
Equipment and assets that may be financed
Asset finance depends on the lender's product, the asset, its condition and the proposed term. Examples in this industry include:
- Warehouse equipment
- Packing systems
- Delivery vehicles
Questions to prepare for a lender discussion
These are useful preparation questions, not a statement that any particular lender accepts this industry.
- What are sales and return trends?
- How concentrated is revenue in one platform?
- How quickly does stock turn and cash settle?
Insurance and business continuity
Finance is one part of a business decision. This industry may also need to consider cyber, goods in transit, business interruption cover, depending on its activities, contracts and legal obligations. Our business insurance guide explains the concepts and links to official Australian sources.