Inventory Financing Loans

Never run out of stock with an inventory financing loan

 

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Terms & Conditions

General Acceptance

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.

 

US Patriot Act:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

 

For Loan/Merchant Services:

The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (“NF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.

 

For Equipment Services:

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.

 

Text Messaging:

By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number.

  
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9820 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.

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How an Inventory Financing Loan Can Work for You

Any business that carries inventory knows how important it is to have the right items in stock. If you can’t provide the goods your customers need, they’ll look elsewhere. However, buying a large amount of inventory at once can clear out your cash reserves. Inventory loan financing allows you to get cash now to purchase the inventory you need.

Plan for the Holiday Rush

  • Stock seasonal and holiday items in time to meet the highest demands for products
  • Make sure you have enough inventory so you don’t run out halfway through the season

Stock Best Sellers

  • Use loan funds to invest in inventory tools to track sales
  • Order extra stock of your best-selling products

Access Bulk Discounts

  • Order enough inventory to qualify for bulk discounts from vendors
  • Spend less time worrying about if you have enough inventory in stock

Expand Your Business

  • Purchase the inventory you need to stock a new location
  • Bring a new product line or brand to your shop

How to Apply

The process to apply for an inventory financing loan is easy. Use our simple online application to get started. One of our friendly Loan Specialists will get in touch to discuss your financing options.

How Does an Inventory Financing Loan Work?

Easy Application Process

The online application takes minutes to complete.

Helpful Loan Guidance

Your Loan Specialist will work with you to find the right loan for your business.

Quick Decision, Fast Funding

If you qualify, your application can be approved and your loan funded in as little as 24 hours. 1

What Customers Are Saying

Ron Beatty

Ron Beatty, Owner

Beatty Lawn & Tree Service

Knowing how hard it had been trying to secure small business loans in the past, this family-owned business sought out National Funding thanks to its reputation for accessible, hassle-free loans. Being able to purchase new, reliable equipment was a critical component for this growth business, and National Funding helped them make it happen.

Why National Funding?

National Funding is dedicated to helping business owners succeed. We’ve worked with businesses of all sizes and in all industries to help them get the financing they need. Our simple loan process makes applying and securing financing easier than ever.

We Know Your Industry

We’ve helped business owners in all industries find the right financing

Simple, Fast Application Process

No-cost, no-obligation application with funding as fast as 24 hours 1

A Trusted Lending Partner

Supporting 50,000 businesses nationwide with over $3 billion in funding

Dedicated Loan Specialists

Our Loan Specialists care about your success and guide you to the right loan to get the cash you need

High Approval Rates

Even if you’ve been turned down elsewhere, there’s still a great chance we can get you the business capital you need

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments

Inventory Financing Loan Resources

It’s important to continue to learn new skills and tips as you grow with your business. We curated the best resources on inventory management to help you better plan and execute an inventory management strategy.

7 Must-Have Features of Inventory Management Systems

7 Must-Have Features of Inventory Management Systems

Are you using a spreadsheet to track inventory? Software designed for inventory management can make keeping track of inventory much easier, especially as you expand. Check out our tips for what to look for in an inventory system so you choose the software that works best for your business.

Read More

Is Your Business Overstocked with Inventory?

Is Your Business Overstocked with Inventory?

Having too much inventory can be as big a problem as having too little. Don’t get stuck with more inventory than you can sell. If trends change, the demand for your current products could go down. Read this post to learn more about managing your inventory to avoid overstocking.

Read More

4 Tips to Help You Get the Most from Your Inventory Financing Loan

4 Tips to Help You Get the Most from Your Inventory Financing Loan

After securing an inventory loan, it’s tempting to restock your inventory right away with your new funds. First, take a look at this article to help you determine the best ways to use your loan. Learn how to measure sales data for an accurate read on what customers want and how to define your niche within your industry.

Read More

How Much Inventory Should I Carry?

How Much Inventory Should I Carry?

One of the hardest things to determine for a business that sells products is knowing how much inventory to stock. This post can help you learn how to read your industry, seasonal shifts and customer preferences to decide on the right amount of inventory.

Read More

FAQ: Inventory Financing Loans

Have questions about inventory financing? You’re not alone. We put together this list of the top questions business owners ask about inventory financing.

Is it hard to apply for inventory loan financing?

No! At National Funding, we make the loan application process simple. Our online application only takes a few minutes to complete.

Yes! A less-than-perfect credit score shouldn’t hold your business back from supplying customers with the products they need. We offer bad credit business loans to help you purchase inventory for your business.

Depending on your lender and qualifications, you could get an inventory financing loan faster than you might expect. At National Funding, for example, we pride ourselves on our ability to process and approve qualified applicants quickly. Some approved applicants receive funding in as little as 24 hours.1

National Funding offers business loans with no down payment or collateral needed. That means you won’t need to disrupt your cash flow to secure your loan.

Ratings & Reviews

We work hard to provide a personalized experience for every business owner. Read our reviews to see how we’ve helped business owners like you.

Disclosures

Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.

 

(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.

 

(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.

 

(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.

 

(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months

 

(5) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.

 

(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.

 

(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.