In a competitive market, having the right products available at the right time is essential to business success. Whether you're a wholesaler, retailer, manufacturer, or distributor, managing stock levels efficiently can make or break profitability. At LOP Commercial, we offer tailored Inventory and Stock Finance solutions that give you the capital you need to maintain healthy inventory—without putting pressure on your cash flow.

Our goal is simple: to help you buy, store, and sell inventory confidently, even during periods of rapid growth, seasonal demand, or supply chain uncertainty.

What Is Inventory & Stock Finance?

Inventory Finance (also known as Stock Finance) is a short- to medium-term funding solution that allows businesses to purchase goods or raw materials before they’re sold. Instead of tying up your working capital in stock, we provide upfront funding based on your purchasing needs or existing inventory value.

This allows your business to:

• Purchase stock in bulk at better prices
• Take on larger or unexpected orders
• Smooth out seasonal supply cycles
• Free up capital for other operational expenses

Whether you're importing stock, preparing for peak trading periods, or looking to take advantage of supplier discounts, our inventory finance gives you the flexibility to act when it matters most.

Who Can Benefit from Stock Finance?

Our Inventory & Stock Finance solutions are ideal for businesses in sectors such as:

• Retail (eCommerce & brick-and-mortar)
• Wholesale & Distribution
• Manufacturing
• Import/Export
• Food & Beverage
• Automotive Parts & Equipment

If your business model depends on holding or moving stock, we can create a financing structure that works for your supply chain and sales cycle.

How Does Inventory Finance Work?

1. Assessment – We evaluate your business, purchasing cycles, and supplier terms
2. Funding – We finance the purchase or holding of inventory, either directly or through a revolving facility
3. Stock Management – You sell your goods as normal while repaying the finance in line with your agreed terms
4. Ongoing Support – We can adjust your facility as your business grows or seasonal needs shift

Our team at LOP Commercial will work with you to customise a solution that aligns with your sales forecasts and operational model.

Key Benefits of Inventory & Stock Finance

• Boost Cash Flow – Keep working capital free for wages, rent, marketing, and more
• Buy in Bulk – Take advantage of supplier discounts or minimum order requirements
• Meet Demand – Never miss out on revenue because of understocking
• Scale Fast – Support business growth without waiting on sales revenue
• Flexible Terms – Repayment structures built around your sales cycle

This type of financing puts your business in a strong position to respond quickly to market demand, expand product lines, and improve profitability.

Why Choose LOP Commercial?

At LOP Commercial, we don’t offer cookie-cutter loans. We take the time to understand your industry, supply chain, and operational rhythm. Our experienced finance professionals craft solutions that fit your real-world needs—not just the numbers on a spreadsheet.

What You Can Expect:

• Fast approvals and quick access to funds
• Competitive terms and transparent pricing
• Facilities starting from £50,000
• Ongoing access to funding as stock turns over
• Support from dedicated business finance specialists

We’ve helped companies in retail, wholesale, and manufacturing scale up their operations, reduce inventory strain, and improve profit margins.

Get the Stock You Need Without Tying Up Your Capital

If your business relies on maintaining stock, but cash flow is holding you back, it’s time to talk to LOP Commercial. Our Inventory & Stock Finance solutions are designed to give you confidence, control, and capital—when you need it most.

Call us today or 0330 311 0001 or email info@lopcommercial.co.uk