Inventory financing

Inventory financing to boost sales

For retail businesses, having enough inventory on hand is crucial to ensure your business continues to trade smoothly. This is where business financing like inventory finance and retail capital comes in. Show more

Many businesses experience rapid growth but are faced with a gap between customer collections, cash requirements for production and sales capacity.

Inventory finance can significantly help your cash flow to cover your costs to ensure you always have enough inventory on hand when you need it.

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Quick financing for the busy business owner

At Lulalend, we use other factors such as machine learning to determine the real health of your business and your individual risk profile, making it simple and easy to apply for inventory finance. Show more

With Lulalend's online application, you can access business funding of up to R5 million in as little as 24 hours. We also offer ongoing access to cash flow financing in the form of a business capital facility that can help you cover routine business expenses.

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How to apply for Lulalend inventory finance

Apply online at Lulalend Small Business Funding - Step 1

Complete your online application

Apply online at Lulalend Small Business Funding - Step 2

Select how much you need

Apply online at Lulalend Small Business Funding - Step 3

Get approved in 24 hours

Up to R5 million line of funding | Choose 3, 6, 9 or 12 month terms | Apply in minutes

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What will I pay?

We've simplified the lending process with our 6 and 12 Month Plans. Every month you pay back 1⁄6th or 1⁄12th (depending on which plan you choose) of the total advanced amount plus the monthly cost. Monthly Costs are 2% - 6% of your advanced amount for the first 2 or 4 months (plan dependent) and 2% for each of the remaining months. You can pay early and save.

80000
6 months
Total repayment
0
No additional costs
Month Capital payment Cost * Monthly payment due
1 0 0 0
2 0 0 0
3 0 0 0
4 0 0 0
5 0 0 0
6 0 0 0
7 0 0 0
8 0 0 0
9 0 0 0
10 0 0 0
11 0 0 0
12 0 0 0
Total 0 0 0
* Based on average Lulalend Score and credit history — no hidden costs and no early repayment fees.

There's a better way to fund your business

"My Lulalend experience has made lending so easy, as the name suggests. Lulalend has become a financial extension and trusted partner of Insukaini Air-conditioning. The quick access to finance has helped cushion our financial situation when we have needed cash flow or bridging finance. As a team we are proud to be associated with Lulalend."

Testimonial image
Meshack Dube
Business owner of Insukaini Air-conditioning

Why Lulalend?

  • Apply in minutes
  • Transparent, flexible terms
  • Access to finance in 24-hours
  • Customer-centric service
  • Unsecured financing
  • Trusted by local SMEs
  • No long queues or extensive paperwork
  • We say yes more often
Apply now

Why Lulalend?

  • Apply in minutes
  • Transparent, flexible terms
  • Access to finance in 24-hours
  • Customer-centric service
  • Unsecured financing
  • Trusted by local SMEs
  • No long queues or extensive paperwork
  • We say yes more often
Apply now

Inventory financing FAQs

We're covering the most frequently asked Inventory financing questions we get from business owners

What are inventory loans?

An inventory loan is a short-term loan offered to a business so it can purchase stock. Typically, you sell the inventory and use a portion of the proceeds to pay off the loan. Retailers use inventory loans to prepare for busy periods and to grow their sales.

How does inventory financing work?

When you apply for inventory financing, you’ll get a loan to purchase the stock you need. The funds might be a line of credit or a term loan. Your recent business performance will be used by the lender to assess your application.

Can inventory be used as collateral?

This depends on the lender. Some lenders will request that the inventory you purchase be used as security for the loan. If you’re looking for unsecured inventory funding, many alternative lenders, such as Lulalend, require no collateral.

Get approved for up to R5 million today. No fees, no commitments

Apply now