存貨貸款是一種基於資產的定期貸款，貸款人為您提供購買庫存的資本。
雖然貸款人通常需要裝置或房地產資產作為銀行貸款的抵押品，但庫存貸款由您購買的庫存抵押。換句話說，如果您未能還款，債權人將沒收並出售您的庫存。
存貨貸款有助於為旺季做準備，在此期間，您需要批次購買佔用大量資本的商品。
但是，這種型別的貸款可能無法為您提供足夠的資金來支援業務增長，例如產品釋出或市場擴張。
存貨貸款的利弊
| Advantages |
Explanation |
| Less stringent requirement on collateral |
Instead of securing the loan with expensive business assets, the only collateral is your inventory. |
| Easier to qualify |
- Your company's credit history is not the major factor which determines whether you qualify for an inventory loan.
- Your eligibility for loan and loan amount depend on the estimated value of your inventory.
- The “time in business” requirement is usually less stringent than that in other lending options. Companies whose operating histories are as short as 6-12 months could apply for inventory loans.
|
| Disadvantages |
Explanation |
| Loan amount limited by inventory value |
The loan amount is usually limited to 20%-65% of your inventory’s appraised value. |
| Relatively high interest rates |
Inventory loan providers usually charge higher interest rates than other lenders. |
| Automatic repayment |
Instead of repaying on a fixed schedule, some lenders take the cash directly from your inventory sales. |
| Loan covenants |
Loan covenants may be imposed by the lenders. For example, you may be asked to use the borrowed funds only for inventory purchase, or to have the collateralized inventory covered by insurance. |
| Larger installment payments |
Inventory loans are short-term loans. For inventory loans that require repayment in installments, each installment could be large. |
| Unpredictable risks tied to sales performance |
Repayment of inventory loans is largely dependent on selling inventory to customers. Weak sales could negatively affect your ability to repay. |
