Key Takeaways
- E-2 import retailers, ecommerce sellers, and restaurant owners qualify for Bankable inventory financing
- Pre-season purchasing, bulk buying, and new product launches are all eligible uses
- Korean beauty supply, Chinese import goods, and fashion wholesale businesses are common applicants
- Repayment is tied to revenue as inventory sells — flexible timing aligned to your business cycle
- Funding from $50K to $5M with 48-hour preliminary decisions
Inventory financing is the working capital problem that most E-2 import, retail, and ecommerce businesses face regularly: your sales require inventory that must be purchased and paid for weeks or months before customers pay you. A Korean beauty supply retailer orders 90 days of product from South Korean suppliers and pays within 30 days of shipment. A Chinese ecommerce seller on Amazon pre-orders holiday inventory in August for Prime Day and Christmas in October-December. A Vietnamese restaurant pre-buys a season’s worth of specialty ingredients in bulk to lock in pricing. All of these businesses need inventory capital before the revenue from that inventory arrives.
Bankable’s inventory financing structures the advance against your sales history. If you’ve sold $80,000/month in inventory consistently for 6+ months, Bankable can advance against a future inventory purchase with repayment structured as inventory sells. This is not a purchase order finance product (which requires a verified buyer PO) — it’s a revenue-based advance that trusts your demonstrated sales velocity.
Inventory Financing Use Cases
- Pre-season retail: Fall/Winter and Spring/Summer buying seasons for fashion, home goods, and specialty retail
- Amazon Prime Day and holiday: Ecommerce inventory builds that require capital 60-90 days before peak sales
- Restaurant bulk purchasing: Specialty ingredients, dry goods, and beverages purchased in volume for cost savings
- Import goods: Container purchases from Asian, European, or Latin American suppliers with 30-45 day payment terms
- New product launch: Initial production run for a new SKU before revenue is established
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Apply Now →Frequently Asked Questions
Yes. E-2 retailers, ecommerce sellers, and importers with documented sales history qualify for Bankable inventory financing. No green card required.
Retail stores, ecommerce sellers (Amazon, Shopify, etc.), restaurant and food service businesses, importers, wholesale distributors, and specialty product businesses all qualify.
We accept POS exports, ecommerce platform reports, credit card processing statements, and bank statements showing consistent sales deposits.
Repayment is structured as a percentage of your revenue as inventory sells. Faster-selling inventory means faster repayment. Slower periods mean lower repayment amounts, protecting your cash flow.
We require 6+ months of consistent sales history. Seasonal businesses should have at least one full season of documented revenue.
Yes. Container purchases from Asian, European, and Latin American suppliers are eligible. We fund in USD and you manage the import transaction.
For new products without sales history, we evaluate the business’s overall revenue and the product’s market fit. Established businesses launching adjacent products qualify more easily.
Bankable funds up to $5M. Typical inventory advances are sized at 1-3x your monthly average sales, depending on your product margins and inventory turn rate.