Industry Funding

Inventory Financing & Funding for Product-Based Businesses

Inventory financing solves one of the most common and frustrating problems in any product-based business: the capital to buy inventory must go out well before that inventory sells and brings revenue back. A retailer building stock for the holidays, an e-commerce seller hitting a supplier minimum order quantity, a wholesaler restocking fast-moving products, a manufacturer taking advantage of a time-limited materials discount — all face the same timing gap between paying suppliers and collecting from customers. Y Millennial Funding provides inventory financing and business funding for product-based businesses — independent retailers, e-commerce and online sellers, wholesalers and distributors, and product manufacturers — doing $150,000 or more in annual revenue. We underwrite based on revenue patterns and bank or settlement strength rather than the inventory itself as collateral or credit score alone, which sidesteps the slow valuation and monitoring that make traditional bank inventory lending difficult to access. Funding is structured as a percentage of revenue, so remittance flexes with actual sales — lighter when sales are slow, larger when the inventory is selling through. Businesses use inventory financing to build stock ahead of peak season, to hit supplier minimum order quantities and unlock better pricing tiers, to restock fast-moving products, to add new product lines, and to capture time-limited supplier discounts. Decisions are fast, which matters when an inventory buying window or a supplier pricing opportunity will not wait. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, and other factors.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.