O-1 Visa Inventory Financing

Inventory is the lifeblood of retail, ecommerce, food processing, distribution, and manufacturing businesses. The capital to purchase inventory must arrive before the revenue from selling that inventory is generated. This gap — between inventory purchase and inventory sale — is one of the most common working capital challenges Bankable solves for O-1 business owners. Bankable funds O-1 inventory financing on sales history and sell-through data — no green card required. Check your Bankability Score.

How Inventory Financing Works

Bankable evaluates inventory financing using: trailing 3-6 months of sales data (sell-through rate), average inventory turnover, supplier payment terms, and retail or wholesale pricing. We advance capital to purchase inventory and structure repayment as a percentage of daily revenue — so as the inventory sells, the advance is repaid. This alignment of repayment with sell-through is the key advantage of Bankable's inventory financing over fixed-payment bank loans.

When to Use Inventory Financing

• Seasonal stock-up: Purchasing Q4 holiday inventory in July-August, spring collection in November-December
• Bulk purchase discount capture: Buying at volume discount when the supplier requires upfront payment
• New product launch: Funding the first production run of a new SKU
• Purchase order fulfillment: Purchasing inventory to fulfill a large retailer order
• Supplier payment acceleration: Paying suppliers faster to capture early payment discounts

Industry-Specific Inventory Financing

Inventory financing looks different by industry. Ecommerce brands need 2-4 months of forward inventory against Q4 velocity. Food distributors need daily inventory capital against net-30 buyer terms. Fashion brands need production deposit capital 6-9 months before goods arrive. Retailers need seasonal floor-set capital 2-3 months before the selling season. Bankable structures inventory financing to match the specific cycle of your business. Compare our products.

Maximum Inventory Financing Amounts

Inventory financing amounts are based on sell-through velocity and average monthly sales. A business selling $100,000/month in goods with a 45-day inventory cycle can typically access $150,000-$200,000 in inventory capital — enough to buy 1.5-2 months of forward inventory. Businesses with faster turns (ecommerce with 15-day average sell-through) can access proportionally more. Maximum: $5M for the highest-revenue operators.