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.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.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
Amount Loan Payback Period Minimum Score1 Min. Time in Business Min. Annual Income Collateral needed? Camino Financial $10,000 - $50,000 24 months 670 12 months $ 30,000 NO Other Business Term Loans* $10,000 - $30,000 3 - 36 months 680 2 years $ 200,000 YES Line of Credit* $10,000 - $1M Varies 630 1 year $ 180,000 YES Merchant Cash Advance* Up to $500,000 3 - 12 months N/A 1 year $50,000 NO Invoice Financing* Up to 90% of the invoice value Varies 500 1 year $ 130,000 YES 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 costsRead What Our Customers Think
Join 9,000+ people choosing Camino Financial
Anthony Williams
“This was the best loan application experience ever. Other financial institutions need to take a look at how Camino delivers and operates...”Bernie Bravo
“...Camino Financial was great to work with and I love how they determined the loan amount based on my personal guarantee.”Rubert Velasquez
“...Camino is the best I’ve encountered so far. They’re always there to help and really make things happen in a professional, timely manner. Thanks Yvette!”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.
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.
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
