Can inventory be the collateral?

Rarely at this size — inventory-backed lending starts higher and asks for audited controls. Most files here fund on cash flow.

My buyer pays on 60. Can I finance the invoice?

Sometimes factoring or receivables financing beats a loan outright. If it does, we'll tell you and point you at it.

Can I fund a container before it ships?

It depends on the supplier relationship and documentation. Bring the PO and the terms.

How fast for a seasonal buy?

Days if the file is complete. Come to us before the order deadline, not after.

Industry

Distribution & Wholesale

You pay your supplier on 15 and your big-box buyer pays you on 60. Every unit of growth widens that gap. Inventory sitting in your warehouse is real value that no bank will treat as such, so the money has to come from cash flow — or from a facility built for the cycle.

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What we fund here

Seasonal inventory buy: $50K – $500K
Bridging 60-day terms from a large retail buyer: $50K – $400K
Container or freight prepayment: $25K – $250K
Warehouse racking and forklifts: $20K – $150K

Ranges are typical, not guaranteed. Your terms depend on your business and the funder.

What usually fits

Business Line of Credit

Inventory cycles repeat; revolving money is the cheapest fit if you qualify.

$50,000 – $1,000,000

Flex Line of Credit

Faster to open when a conventional line isn't available yet.

$10,000 – $250,000

Working Capital

For a single buy ahead of a season you've already sold into.

$10,000 – $500,000

What underwriters look at

Inventory turns. Slow-moving stock reads as tied-up cash, not as an asset.
Buyer concentration and buyer credit — who owes you matters as much as what you owe.
Whether you're paying suppliers on time, which shows up in the statement pattern.
Margin per unit against the cost of the facility. We do this arithmetic with you.

Questions

Can inventory be the collateral?: Rarely at this size — inventory-backed lending starts higher and asks for audited controls. Most files here fund on cash flow.
My buyer pays on 60. Can I finance the invoice?: Sometimes factoring or receivables financing beats a loan outright. If it does, we'll tell you and point you at it.
Can I fund a container before it ships?: It depends on the supplier relationship and documentation. Bring the PO and the terms.
How fast for a seasonal buy?: Days if the file is complete. Come to us before the order deadline, not after.

Let's see what your numbers support.

Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.

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FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.