Inventory Based Financing

Unlock Capital from Inventory You Already Own

Collateral-based financing secured against existing inventory in warehouses or fulfillment centers. Access liquidity tied up in stock merchants already own.

Funding offers overview

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Our Founding Team's Track Record

$0.0b+
B2B Services Revenue
$0m+
Funding to SMBs
0+
Businesses Funded

RiseFi was inspired by real experience in the B2B services field. We know how crucial it is to stand out in a crowded market. RiseFi helps you do exactly that.

Key Mechanics

How inventory-based financing works

Real-time inventory monitoring and SKU-level valuation provide accurate collateral assessment.

STEP 1

SKU-level inventory appraisal

RiseFi values inventory at the SKU level using market prices, sell-through rates, and condition. Real-time stock data comes from your platform or 3PL. No manual audits for most merchants.

STEP 2

Loan-to-value ratio based on inventory quality

Merchants receive 60 to 80% of appraised value based on sell-through, shelf life, and seasonality. Fast-moving goods get higher LTV. Slow or perishable stock gets lower LTV to offset depreciation risk.

STEP 3

Inventory monitored through platform or 3PL

RiseFi tracks inventory in real time through your existing integrations. If stock drops below collateral requirements, merchants replenish or repay partially. Protects lenders without disrupting operations.

STEP 4

Repayment from sales or fixed terms

Choose automatic deductions from sales as inventory sells, or fixed monthly payments with a term loan structure. Flexibility based on merchant preference and turnover.

SKU-level inventory appraisal
What It Is

Turn sitting inventory into immediate liquidity

Inventory-based financing is collateral-backed lending secured against stock merchants already own. This is not for buying new inventory. It is for unlocking cash tied up in existing inventory sitting in warehouses, fulfillment centers, or storage facilities.

Merchants often have cash locked in unsold inventory. Between purchase and sale, capital sits idle. This product lets them access that value without liquidating stock at a discount or taking unsecured debt.

The inventory stays in place. Merchants continue selling through normal channels. As inventory sells down, the loan balance gets repaid from sales proceeds or according to fixed terms.

This is ideal for seasonal businesses between peaks, merchants with slow-moving SKUs, or anyone needing bridge capital without diluting equity or giving up control.

Inventory Based Financing Dashboard
Why Partners Offer It

Solve a real merchant pain point

Inventory Financing Infrastructure

Merchants have cash locked in unsold inventory

Every dollar sitting in a warehouse is capital that could be deployed elsewhere. Inventory financing unlocks that value without forcing merchants to liquidate at a loss.

Access liquidity without unsecured debt

Because the loan is secured against real collateral with resale value, terms are more favorable than unsecured working capital products. Lower risk for lenders, better rates for merchants.

Perfect fit for 3PL and platform partnerships

If you already have visibility into merchant inventory through fulfillment integrations or warehouse management systems, you are uniquely positioned to offer this product with minimal friction.

Book a demo

Schedule a Demo
With the Founding Team

Learn how you can embed financing directly into your merchant's workflows, helping them access the capital they need to grow.

Offer up to $750K in fast, flexible funding for your merchants. RiseFi makes it easy for platforms to offer and participate in financing, helping merchants access the capital they need to grow.

Schedule your demo