Supplier deposits
Identify deposit and balance dates, shipping lead time, minimum order sizes, and any available supplier terms.
Funding for business owners
Retail funding that starts with your inventory plan.
A larger order can tie up cash long before the stock sells. Compare the inventory opportunity, payment schedule, and operating reserve before deciding how much funding to request.
Business-purpose funding. Subject to underwriting, verification, and program availability.
Build the request around the retail cash cycle
Seasonal stock
Use prior sell-through and current demand to estimate cash receipts. Include a scenario with slower sales or markdowns.
Merchandising and fixtures
Separate durable equipment from short-lived stock. Include delivery, setup, and the effect on store operations.
Operating reserves
Leave room for rent, staffing, utilities, returns, and routine reorders while the new stock converts to cash.
Compare retail funding options
A business line of credit may support repeated inventory purchases, subject to your available limit and account conditions. A term loan may be considered for a defined investment. Equipment financing may fit eligible fixtures or business equipment.
An MCA provides a different structure based on future receivables. Compare its cost and collections against your cash cycle, including returns and markdowns. A forecast of holiday sales is not a guarantee of available funding or repayment capacity.
Check the inventory funding gap
Illustration: $40,000 of stock, $4,000 of freight and handling, and a $6,000 operating reserve total $50,000. If $15,000 of business cash is available after protecting routine expenses, the planning gap is $35,000 before financing costs. This is an example, not an offer.
Compare the complete cost with expected gross profit and test lower sell-through. Our inventory funding checklist and seasonal funding guide help organize those assumptions.
Starting requirements and documents
Logic’s published guidelines start at $25,000 in monthly business revenue. MCA and line-of-credit guidelines start at six months in business; equipment and term-loan guidelines start at one year. Credit requirements and additional conditions differ by product. Meeting a minimum does not guarantee approval.
- Prepare a signed application and four recent, complete business bank statements.
- List current loans or advances, remaining balances, and payment schedules.
- Explain the amount requested, its business purpose, and your desired timing.
- Have identification, ownership details, and any additional records ready when requested through the approved channel.
Review the current product requirements and our bank statement preparation guide.
Prepare the details behind your request
Prepare supplier quotes, order and delivery dates, and a simple sales plan. Explain seasonal patterns, return rates, and existing inventory commitments alongside your requested documents.
Compare the offer, not just the payment
Request the net amount your business will receive, total payment or remittance obligation, all fees, payment frequency, and expected duration. Review liens, guarantees, early-payment treatment, and any reconciliation provisions. A factor rate on an MCA is not APR.
Use our side-by-side funding offer guide and daily versus weekly payment guide to organize the details before deciding.
Explore other business funding guides
Browse all industry funding guides or compare funding products.
Questions business owners ask
Can inventory funding cover seasonal purchases?
Seasonal inventory may be an eligible business use, depending on the product and agreement. Review the order economics and payment obligations before accepting funding.
Should I request the largest amount available?
Start with the documented cash need and an appropriate reserve. More funding can create higher obligations; an approved limit is not a recommendation to use the full amount.
What if inventory sells more slowly than planned?
Test that scenario before accepting an offer. Include markdowns, returns, and carrying costs, and check whether cash remains sufficient for operating bills and funding payments.
Do ecommerce stores qualify?
Eligibility depends on the operating business, product, and underwriting. Contact the team about your sales channels and review the published requirements before applying.
Take the next step with Logic Advance
Have a funding purpose, an amount, and a timeline in mind? Start an application or speak with our team about the next steps for your business.
Business-purpose funding. Subject to underwriting, verification, and program availability.
These pages explain funding considerations and starting guidelines, not a funding offer. Product availability, amounts, costs, security requirements, and timing depend on the specific program and your business.