Convert Inventory intoWorking Capital.

Inventory often represents one of the largest assets on a company’s balance sheet. Release capital otherwise tied up in stock while maintaining operational continuity.

Discuss your requirements How it works

Inventory Finance

BEST FOR:

Businesses holding eligible commodities, raw materials or finished goods as significant balance-sheet assets.

Unlock Capital Tied Up in Inventory

Inventory often represents one of the largest assets on a company’s balance sheet.

SPEC Finance’s Inventory Finance solutions enable businesses to access funding secured against eligible inventory, helping release capital otherwise tied up in stock while maintaining operational continuity.

Facilities may be structured around raw materials, work-in-progress or finished goods, subject to the nature of the assets, storage arrangements and transaction structure.

BENEFITS

What Inventory Finance delivers

Improved liquidity

Unlock cash held in stock before it converts to sales.

Better inventory utilisation

Carry the stock levels your demand justifies, funded sensibly.

Enhanced purchasing flexibility

Buy in volume or ahead of season when pricing is right.

Reduced working capital constraints

Free cash for operations while inventory funds itself.

Financing linked to commercial assets

Facilities secured against real, saleable inventory.

Operational continuity maintained

Keep production and fulfilment moving through demand cycles.

How It Works

Each transaction is structured individually following commercial, legal and credit assessment.

Eligible inventory is identified.

Inventory assessment is completed.

Security structure is established.

Financing facility is approved.

Funds are disbursed.

Inventory is monitored throughout the financing period.

Suitable inventory

Inventory Types

CommoditiesAgricultural productsIndustrial raw materialsFinished goodsManufactured productsWarehouse inventory

Eligibility depends upon the nature of the goods, marketability, storage arrangements, ownership and legal enforceability of the security.

Monitoring requirements vary depending on the transaction structure, collateral profile and agreed security arrangements.

Also exploreWorking Capital Working Capital Loans Equipment Finance Commodity Finance Trade Finance

Find Your Ideal Solution

For further information or to speak to a member of our team.