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Compare stock and inventory finance

Inventory ties up cash. Stock finance lets you buy in bulk, take advantage of supplier discounts or prepare for peak season without emptying the business account.

5 products from 4 lenders ยท Last checked 23 Sept 2026

Clothing retailer arranging new season stock on the racks

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Tell us about your business and we will match you with stock & inventory finance lenders likely to approve you.

5 products from 4 lenders

Stock & Inventory Finance products

Earlypay Trade Finance

Trade finance for businesses with outstanding invoices to other Australian businesses, to fund stock and cash flow.

Amount
Not published
Term
Not published
Security
Not published
Rate
Quoted on application
Repayments
Not published
Trading
2+ years trading
From lender's website, 23 Sept 2026
Details for Earlypay Trade Finance

ScotPac Trade Finance

Trade finance facility for businesses funding stock, equipment or supplier purchases.

Amount
Not published
Term
Up to 5 mths
Security
Not published
Rate
Quoted on application
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for ScotPac Trade Finance

Shift Trade Account

Trade account up to $500K that adds payment terms to supplier invoices, repaid in full on a chosen date or weekly for up to 20 weeks.

Amount
Up to $500K
Term
Not published
Security
Not published
Rate
Quoted on application
Repayments
Weekly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Shift Trade Account

How stock & inventory finance works

In practice stock is usually funded through trade finance, a line of credit or a short-term business loan rather than a single stock-only product.

Depending on the product, the lender pays your supplier directly or advances funds to you. Repayment is timed to the sale of the stock, either over a fixed term or as a revolving facility.

Who it suits

  • Retail and e-commerce peak seasons
  • Bulk-buy discounts
  • Launching new product lines

What lenders look at

  • Stock turnover and margins
  • Sales history
  • Supplier invoices or purchase orders

Things to watch

  • Slow-moving stock can leave you repaying before you have sold. Keep terms realistic.

Stock & Inventory Finance: common questions

Can I use a business loan to buy stock?

Yes. Many general business loans and lines of credit list stock as an eligible purpose. Trade finance is another option if you want the lender to pay suppliers directly.

Related finance types

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