Business finance for fashion & apparel

Funding options for fashion & apparel.

Fashion & Apparel can face the cash-flow and asset decisions common in retail, but the detail depends on how the business actually operates. Start with the funding purpose and the timing of receipts and expenses.

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How cash moves

A peak season can look strong in a profit forecast while tying up cash in inventory. Slow-moving stock can weaken the value of security and delay repayment.

A practical situation

A store orders summer inventory in winter and needs the cash to pay suppliers before the first major sales period.

Illustrative only; no lender acceptance or credit approval is implied.

Common funding needs

Seasonal inventory
Store fit-outs
Point-of-sale systems
New locations

Questions to prepare

How fast does stock turn?
What are gross margins and return rates?
How much revenue is online versus in-store?

Relevant structures

Finance types to understand

These structures may address the needs above. The lender will assess the business, purpose, security and its own published or unpublished industry policy.

Stock & Inventory FinanceFund bulk orders, seasonal stock and inventory without stretching cash flow.Explore Trade FinancePay overseas and local suppliers now and repay once goods are sold.Explore Working Capital FinanceLines of credit, revolving facilities and overdrafts to smooth day-to-day cash flow.Explore Equipment & Asset FinanceMachinery, tools, technology and business assets funded against the asset itself.Explore

Compare published product details.

Use the marketplace to compare amounts, purposes, security and documentation. Industry selection alone does not establish eligibility.

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