Finance question
Can I get ecommerce inventory finance?
Often yes. Online sellers usually fund a big stock buy one of two ways with us: by releasing equity from a property you own, or by asset finance that frees up the cash you were about to spend elsewhere. Both let you pay suppliers upfront and hold stock through your peak.
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The short answer
Buy the stock before the season, not after
Inventory eats cash. A container of product, a supplier deposit on a bulk order, a pre-Christmas or end-of-financial-year stock run can tie up tens of thousands of dollars weeks before a single unit sells. Ventas is a broker, so the question we answer is how to get that cash into your hands without draining the trading account that keeps the store running.
For most ecommerce sellers the strongest route is property-backed finance. If you own a home or commercial premises with equity, that equity can support a facility at single-digit rates, up to the $5 to 6 million range, with no financials needed on many deals. You draw on it to pay suppliers, then repay as the stock sells through.
Where a property is not in the picture, asset finance can do the job indirectly. Financing the equipment, vehicles or fit-out your business already needs, up to $500,000 and often approved in 24 to 48 hours, leaves the cash you would have spent free to load up on stock instead.
Do you qualify?
What makes an inventory-driven deal fundable.
Equity in property
Home or commercial equity can fund large stock buys at low rates.
A trading store
An active ABN and a real sales history behind the request.
A clear timeline
Supplier deposits, container ETAs or a peak season to hit.
Assets to leverage
No property? Financing needed equipment frees the cash for stock.
Why this beats maxing out the card
Cheaper money
Property-backed pricing sits in single digits, well under card or short-term rates.
Bigger buys
Equity can support facilities far larger than a card limit, so you buy at volume.
Cash stays working
Suppliers get paid upfront while your trading cash keeps the store moving.
A real example
An online homewares seller needs $120,000 to prepay a supplier and land two containers before Christmas. They own a home with room in the equity. That equity supports a facility at a single-digit rate, paid down as the season sells through, instead of running the trading account dry. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Can you finance the stock itself as security?
Inventory is rarely the security. In practice the deal is secured by property equity, or by an asset you finance to free up cash for stock.
Do I need up-to-date financials?
On many property-backed deals, no. The equity carries the deal, subject to lender assessment.
How fast can it be arranged?
Asset finance is often approved in 24 to 48 hours. Property-backed deals take a little longer for valuation but move quickly once set up.
What if I do not own property?
Then financing the equipment or vehicles you already need frees the cash you would have spent, and puts it toward inventory instead.