Who it is for
This is for trading businesses with a clear stock or inventory need and a plan for how the stock supports revenue.
- Retailers and ecommerce businesses buying seasonal inventory
- Wholesalers placing supplier orders or import deposits
- Hospitality businesses preparing for peak demand
- Businesses taking advantage of supplier discounts or limited stock availability
Common funding uses
Stock funding is strongest when the funding purpose, supplier cost and expected sales path are clear.
- Seasonal inventory and new product ranges
- Bulk orders and supplier deposits
- Import, freight or warehousing costs
- Fast-moving stock replenishment
- Supplier discount opportunities where timing matters
What affects eligibility
Lenders usually want to see that stock purchases are realistic against past sales and current cash flow.
- Revenue history and sales consistency
- Stock turnover and seasonality
- Supplier terms, order size and margin
- Current debts, average balances and bank conduct
- Whether the requested amount is proportional to turnover
What documents are needed
Stock-related requests are easier to assess when the supplier cost and business case are clear.
- Recent business bank statements, usually the last 3 to 6 months
- ABN, entity and director details
- Requested amount and a clear funding purpose
- Basic turnover, trading history and contact details
- Supplier invoices, pro forma invoices or purchase orders
- Sales reports or inventory data if useful for larger requests
Check options
Get a practical view before you apply broadly.
Tell us the funding amount, turnover and purpose. A lending specialist will review what looks realistic and explain the next step if there is a lender fit.