Stock finance loans
A stock finance loan can help your business purchase the inventory it needs to meet demand, maintain healthy stock levels and support growth, with flexible terms and no early repayment charges.
Does your business need funding to purchase stock?
Managing inventory costs
Buying stock in advance can tie up valuable cash, especially during busy periods or when preparing for increased demand.
Securing the best deal
Bulk purchase discounts and time-sensitive deals often require quick access to funding to secure the best terms from suppliers.
Restrictive funding solutions
Traditional lending options can be restrictive, making it harder to finance stock in a way that aligns with your business needs.
How funding can help
The right funding solution can provide access to working capital when you need it most, helping your business continue operating.
Find the right option for stock finance loans
Whether you're looking to spread repayments over a short period or need a longer-term solution, we have a loan to suit your business.
Funding growth at a building products wholesaler
Is your business eligible?
Before applying, make sure you meet all four criteria.
Questions about our business loans?
Everything you need to know about getting a business loan with LendingCrowd.
What documents will I need to apply for a LendingCrowd loan?
To complete your loan application, you’ll need to supply:
- Information about your business, how long it has been trading and the sector in which it operates
- Two years’ filed accounts (the last no later than 15 months old)
- Latest three months’ bank statements
- Details of current borrowing
- Purpose of funds – a simple description of what your business will use the loan for
How much can I borrow with LendingCrowd?
Your business can apply to borrow between £75,000 and £500,000. Loan terms range from six months to five years.
Subject to credit assessment, we can offer unsecured loans of up to £350,000 (including fees) supported by a personal guarantee.
For loans above £350,000, a charge or asset security will be required in addition to a personal guarantee.
What can I use my business loan for?
You could use your LendingCrowd loan for a wide variety of reasons, for example to purchase stock, manage cashflow, fit out new premises, funding a management buy-out or acquisition, or to refinance existing debt, making your outgoings more manageable.
Can I repay my loan early?
Yes, you can. LendingCrowd does not charge any fees for early repayment. You can also make overpayments of at least £5,000. LendingCrowd may request additional financial information to establish the source of funds used to make overpayments or early settlement of loans.
View other use cases
It’s time to think outside the bank
Apply for your loan today or speak to one of our funding specialists.