Inventory funding that protects your working capital
Biz Corp Solutions arranges inventory funding that helps businesses, dealers and distributors purchase and maintain stock without impacting working capital. We match you with suitable banks, NBFCs and financial institutions for stock financing with flexible limits.
- Funding for
- Stock & inventory
- Suited to
- Dealers & distributors
- Lenders
- Banks, NBFCs & FIs
- Coverage
- Maharashtra · Gujarat · Karnataka
What is inventory funding?
Optimize your cash flow and maintain healthy inventory levels without impacting your working capital.
Our inventory funding solutions help businesses purchase and maintain stock while ensuring uninterrupted operations and business growth.
Who it is for
- Businesses that hold significant stock
- Dealers and distributors supporting principals and customers
- Developers holding unsold units in completed or near-complete projects
- Companies that want to free up working capital for operations
- Businesses across Maharashtra, Gujarat and Karnataka
What we arrange
- Stock financing
- Dealer & distributor inventory support
- Channel finance through manufacturer tie-ups
- Funding against developers' unsold inventory
- Improved cash flow management
- Flexible funding limits
- Faster approval process
From stock requirement to funding
-
01
Share your requirement
Tell us about your business, the inventory you hold or plan to buy and the limit you need.
-
02
Assessment and structuring
We review your stock cycle and cash flows and structure a facility that fits how your business buys and sells.
-
03
Lenders and documentation
We approach suitable banks, NBFCs and financial institutions and prepare the file, keeping you updated at every stage.
-
04
Sanction and limit set-up
Once the lender sanctions the limit, you draw funds against your stock as per the agreed terms.
What lenders typically ask for
Inventory lenders look closely at stock, sales and cash flow. These are the documents most applications need, and we help you put them together.
- Constitution and KYC documents of the business and promoters
- Audited financial statements and income tax returns
- GST returns and recent bank statements
- Stock statements and inventory records
- Dealer or distributor agreements with principals
- Debtor and creditor ageing details
- Existing loan and limit details
Note: the exact list, drawing power and conditions are set by each lender.
See the full document checklist: Dealer and inventory finance document checklist
Inventory funding questions
What is inventory funding?
Inventory funding is finance used to purchase and hold stock, so a business can keep healthy inventory levels without tying up its working capital.
Who is inventory funding suited to?
Businesses that carry significant stock, including dealers and distributors who need to maintain inventory for their principals and customers.
How does inventory funding help cash flow?
By funding the stock itself, it frees your own working capital for day-to-day operations and growth, helping keep operations uninterrupted.
What is dealer or channel finance?
Dealer finance is a facility set up with a lender under a tie-up with the manufacturer or brand you buy from. The lender pays the principal against your invoices and you repay from sales within an agreed credit period. Our guide on dealer and distributor finance explains how it works.
Do you arrange inventory funding for builders with unsold flats?
Yes. Developers with unsold units in completed or nearly completed projects can raise funds against that inventory, repaid as the units sell. It is different from construction finance, which is drawn in stages while a project is being built.
Are the limits flexible?
Inventory facilities are typically set up as limits that can be drawn as needed. We aim for flexible funding limits and a faster approval process, though final terms are set by the lender.
Which lenders do you work with?
We work with a network of banks, NBFCs and financial institutions and approach the ones that best fit your business.
Which areas do you cover?
We serve businesses across Maharashtra, Gujarat and Karnataka from our office in Badlapur East, Thane district.
Read before you apply
Dealer and distributor finance: how channel finance funds your inventory
How dealer and distributor (channel) finance works: anchor tie-ups, invoice-based drawdowns, credit periods, what banks assess and how it compares with CC.
Inventory funding for builders: raising funds against unsold stock
How inventory funding against unsold flats works for developers, how it differs from construction finance and LRD, who lends, and what lenders assess.
Term loan vs cash credit vs overdraft: which business loan fits which need?
Term loan, cash credit, overdraft or WCDL? How each works, how interest and drawing power are worked out, security, renewal and RBI's 2026 account rules.
Trade finance for MSMEs: letters of credit, bill discounting and packing credit explained
Trade finance for MSMEs: letters of credit, bills for collection, bill discounting, packing and post-shipment credit, and the 2026 export subvention.
Run the numbers first
Builder inventory funding vs price discount
Compare the reducing-balance interest cost of a 60%–70% LTV OC-ready inventory loan against the permanent profit lost to an 8%–12% distress price cut.
Drawing power & working capital limit
Cash credit drawing power from a stock and book-debt statement, plus limit assessment by the turnover method and MPBF (Tandon Method II).
MPBF working capital (Nayak & Tandon II)
Size your Cash Credit limit from CMA data: Nayak Committee 20% of projected turnover (up to ₹5 crore) and Tandon Committee 2nd Method (1.33x current ratio).
TReDS / invoice discounting vs cash credit
Net day-1 liquidity and interest cost of discounting corporate/PSU invoices on TReDS vs funding debtors under a Cash Credit limit (after 25% margin).
Often arranged together
Need funding for your stock?
Share your requirement and our advisory team will call you to discuss the right inventory facility.
Biz Corp Solutions arranges funding through partner banks, NBFCs and financial institutions. Sanction, interest rates and terms are decided by the lender. Last reviewed 5 October 2026.