• Inventory Financing

    Getting inventory financing for your small business just got easier with Camino Financial. Whether you're grappling with cash flow challenges or gearing up for growth, we can provide the financial support you need to keep your inventory—and your business—moving forward. Discover how our quick, adaptable, and affordable financing options can transform your inventory management and drive your business success.
    man and woman checking inventory in warehouse
  • Why Your Business Needs Inventory Financing

    Inventory financing provides a strategic avenue to increase your stock without depleting your cash reserves, ensuring you can meet customer demand without disrupting operational cash flow.


    This type of financing is especially critical for businesses facing seasonal sales fluctuations or growth phases, as it enables quick capitalization on market opportunities without waiting for existing inventory turnover.


    By leveraging inventory financing, you can maintain a healthy balance between inventory levels and cash flow, fostering both growth and stability in your operations.

  • Camino Financial’s Inventory Financing Loans

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • Why Apply With Us

    At Camino Financial, we redefine the lending experience with our straightforward application process and a financing alternative that doesn't require you to put your inventory as collateral. We tailor our lending solutions to your business's unique needs, offering competitive rates and fixed terms, ensuring seamless inventory management. With us, it's not just about funding your inventory—it's about fueling your business's future.
    A confident businesswoman in a warehouse environment, holding a tablet and smiling.
  • Our Basic Business Loan Application Requirements

    Have an SSN

    Business in operation for a minimum of 12 months

    Annual sales above $30,000

    Current on outstanding credit obligations

    No filed tax liens, judgments, credit freezes, or bankruptcies in the past 24 months

    Must operate within permitted industries and states

  • Compare Financing Options

    AmountLoan Payback PeriodMinimum Score1Min. Time in BusinessMin. Annual IncomeCollateral needed?
    Camino Financial$10,000 - $50,00024 months67012 months$ 30,000NO
    Other Business Term Loans*$10,000 - $30,0003 - 36 months6802 years$ 200,000YES
    Line of Credit*$10,000 - $1MVaries6301 year$ 180,000YES
    Merchant Cash Advance*Up to $500,0003 - 12 monthsN/A1 year$50,000NO
    Invoice Financing*Up to 90% of the invoice valueVaries5001 year$ 130,000YES
  • Benefits of Camino Financial’s Inventory Lending

    ● An application process you can complete 100% online ● Interest rates that are both competitive and fixed ● We will securely protect your personal information ● No additional fees for early loan repayment ● Exceptional customer service team at your service ● Clear and upfront processing fees, no hidden costs
    Two professionals warmly shaking hands in a meeting, signifying a successful funding partnership.
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  • Read What Our Customers Think

    Join 9,000+ people choosing Camino Financial

  • Types of Businesses That Can Benefit From Inventory Financing Loans

    1

    Retail Businesses

    Both brick-and-mortar and online retailers can use inventory financing to stock up on goods ahead of peak shopping seasons or to expand their product offerings.

    2

    Wholesalers and Distributors

    These businesses often need large amounts of inventory to fulfill orders and can use inventory financing to buy in bulk, taking advantage of volume discounts.

    3

    Manufacturers

    Manufacturers can use inventory financing to purchase raw materials or components needed for production, helping to smooth out the cash flow cycle from production to sales.

    4

    E-commerce Platforms

    E-commerce businesses, especially those that manage their own stock, can use inventory financing to ensure they have a diverse range of products available to meet customer demand.

    Two professionals reviewing inventory data on a tablet in a warehouse, strategizing finance.
  • Discover Camino Financial's Convenient Loan Management

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
  • How To Apply With Camino Financial

  • FAQs

    Inventory financing is a type of short-term borrowing or line of credit that businesses use to purchase products they will sell later. Business inventory loans benefit businesses that must pay their suppliers in a shorter period than it takes them to sell their inventory to customers. Depending on the lender, the inventory might serve as collateral for the loan.

    To calculate inventory financing costs, you need to consider several factors: - Loan amount - Interest rate - Loan term - Additional fees and charges - Total interest calculation (use the formula “Loan Amount × Interest Rate × Loan Term in years” to calculate simple interest) - Total financing cost - Annualized cost This calculation is simplified and might vary with different loan structures and conditions. It's important to understand the specific terms of your financing agreement and consult with a financial advisor for precise calculations.

    Yes. As a BBB-accredited business with an A+ rating and an average of 4.2 stars across more than 400  reviews prove it.

    Camino Financial uses the same technology that banks use to protect your private information.

    • Have a Social Security Number (ITIN is not accepted).

    • Business must have been operational for at least 12 months.

    • A credit score of 670 or higher is required.

    • Specialty Trade Contractors with a FICO score of 650 or above.

    • Must have annual sales exceeding $30,000

    • Must be up-to-date on all existing credit responsibilities.

    • No record of tax liens, judgments, credit .freezes, or bankruptcies in the last 24 months

    • Not operating in prohibited sectors.

    • No businesses that have secured an HCD loan within the previous 90 days.

    • Not located in HI, NJ, PR, MI, NV, or the Caribbean Islands.

    No, you need to be a United States citizen with an SSN to qualify for a business loan through Camino Financial.

    No, we cater our business loans to businesses that have established credit history.

    No, we don’t require any type of collateral, only a UCC lien.

  • Keep Reading

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  • Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis industries, Adult entertainment, Car dealerships, Credit unions, and other sectors Specialty Trade Contractors require a FICO score of 650 or above. No businesses that have secured an HCD loan within the previous 90 days. Not located in HI, MI, NV, NJ, PR, MA, NY, ND, OH, PA, or TN; plus IN, NE, or WV for Sole Props. *Other loan options are reviewed on a quarterly basis

  • Stay connected

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  • Mission-driven company

    Camino Financial is a nationally certified Community Development Financial Institution (CDFI) with oversight by the U.S. Department of Treasury. By partnering with other mission-aligned organizations, Camino Financial is able to pool and distribute low-cost funding and educational resources to underbanked minority-owned businesses. Camino Financial is headquartered in Los Angeles, California with supporting offices in Mexico City, Mexico.

© 2024 by Camino Financial, Inc. All Rights Reserved. Camino Financial is a Licensed Finance Lender & Broker in California under its subsidiary Salas & Company LLC.
Camino Financial Better Business Bureau A+ accredited businessCloudflare
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11501 Sunset Hills Rd, Reston, VA 20190 | info@caminofinancial.com| Tel (800) 852-0655

NMLS License: Salas & Company LLC #2186459 | CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

CDFI Certification Number: 181CE054231