Finance question
How do I finance stock or inventory?
You use a trade or stock facility. It funds the purchase of inventory up front, then you repay as the stock sells, so your growth is not capped by the cash sitting in your account. Ventas arranges the facility across its lender panel and sizes it to your business, subject to lender assessment.
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The short answer
Fund the stock, repay from the sale
Stock ties up cash. You pay a supplier now and wait weeks or months to sell, and in that gap your bank balance does the work that a facility should be doing. A trade or stock facility closes that gap by funding the purchase, so you can hold the inventory customers want without draining your working capital.
The structure follows the trade. The lender pays for the goods or advances against the stock, and you repay as it sells through. Because the money is tied to real inventory moving in and out, the facility can revolve, funding each new order as the last one clears rather than sitting as a fixed lump of debt.
As a broker, Ventas is paid by the lender on settlement, so there is no upfront fee to you. We look at your suppliers, your sales cycle and your margins, then match the deal to the lender most comfortable with your kind of stock. The limit is sized to your turnover and trade, subject to lender assessment.
Do you qualify?
What makes a stock facility fundable.
You hold or buy stock
Retail, wholesale, import or distribution inventory.
An active ABN
Sole traders and companies both qualify.
Regular sales
A sales cycle the facility can repay against.
Named suppliers
Local or overseas suppliers you buy from often.
Why a stock facility beats paying cash
Cash stays free
Your working capital covers wages and rent instead of sitting in stock.
It revolves
Each new order draws on the facility as the last one sells through.
Sized to your trade
The limit scales with your turnover, not a flat cap.
A real example
A homewares retailer needs $80,000 of stock for a peak season but only has $30,000 spare. A stock facility funds the full order, the goods sell through over the quarter, and the drawdown is repaid from the takings. The cash that would have been locked up stayed free for wages and rent. Illustrative only.
Common questions
Frequently asked questions
Do I need property to fund stock?
Often no. Many stock and trade facilities are secured against the inventory or the trade itself rather than real estate, subject to lender assessment.
Can it fund imported stock?
Yes. Trade facilities are commonly used to pay overseas suppliers, and we cover that in the trade finance page.
How is the limit worked out?
It is usually tied to your turnover and your stock cycle, then sized by the lender to what your sales can comfortably repay.
Is there an upfront fee to use Ventas?
No. As a broker we are paid by the lender on settlement, so there is no upfront cost to you.