Finance question
Can I get finance to stock up before a busy season?
Often yes. Buying inventory ahead of a peak, Christmas retail, the summer trade or a harvest run, can be funded so you hold enough stock to meet demand without draining cash. It is usually raised against property equity at single-digit rates or against plant you already own.
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The short answer
Buy the stock now, repay as it sells
The busiest weeks of the year are won or lost months earlier, at the point you decide how much to order. A retailer building for Christmas or a supplier gearing up for summer has to pay for a large amount of stock well before the customers arrive to buy it. Funding that purchase means you can commit to the volume the peak demands rather than under-ordering and selling out early.
Buying ahead often buys better too. Suppliers reward bulk orders with volume pricing, and getting in before a seasonal rush means you are not fighting for stock or paying a premium when everyone else scrambles. A facility secured against property equity funds this at single-digit rates, and one secured against owned plant is low-doc and can settle quickly across 40-plus lenders, so you can move when the buying window is open.
The repayment is built into the season itself. Because the stock is bought to sell through the peak, the facility is sized to your expected sell-through and clears as the goods convert to sales. We set it to the inventory you can realistically move, not the most you could order, so you go into your busy season fully stocked without being left holding the surplus afterwards.
Do you qualify?
What makes a stock-up facility fundable.
A clear peak ahead
A busy season with demand you can forecast.
A sell-through plan
How the stock moves and repays the facility.
Equity or assets
Property equity or owned plant to secure it.
An active ABN
Sole traders and companies both qualify.
Why funding the stock-up works
Order for the demand
You stock to what the peak needs rather than what cash allows.
Better buying
Volume orders ahead of the rush can earn sharper supplier pricing.
Repays on sell-through
The facility clears as the stock converts to sales in the peak.
A real example
A gift retailer needs $120,000 of stock in store by early November to trade the Christmas peak, but that is months before the sales come through. A facility secured against home equity funds the buy at a single-digit rate, the shelves are full for the rush, and it repays through December and January trade. Illustrative only.
Common questions
Frequently asked questions
Can I finance inventory ahead of a peak?
Often yes. A facility can fund the stock purchase now and repay as the goods sell through the busy season.
How is it secured?
Usually against property equity at single-digit rates, or against plant and equipment you already own.
How much stock should I fund?
We size it to your realistic sell-through, so you go in fully stocked without being left with surplus after the peak.
When should I arrange it?
Before the buying window closes. Ordering early can secure volume pricing and make sure stock lands before the rush.