Key Takeaways
- Retail, e-commerce, and food service parolees qualify for inventory financing
- Advance up to 85% of inventory cost without cash depletion
- Repay as inventory sells — flexible revenue-based repayment
- Seasonal restocking financed against your sales history
- No green card required — EAD accepted
For retail, e-commerce, and product-based businesses, inventory is the engine of revenue. Cuban parolees who can't stock their bodega for the holiday rush, Venezuelan parolees whose Amazon store needs more SKUs before Prime Day, Ukrainian food importers who need a large order of specialty goods to meet restaurant demand — these are the inventory financing scenarios Bankable solves.
How Inventory Financing Works
Bankable advances 70-85% of the cost of your next inventory purchase. The inventory itself serves as partial collateral. As the inventory sells (tracked through POS, e-commerce platform, or invoice payments), repayment occurs. Total repayment equals the advance plus a factor rate — no revolving interest that compounds unpredictably.
Inventory Financing Use Cases for Parolees
- Cuban Bodega: Stock shelves with $50,000 in inventory before the holiday season. Repay over 90 days as products sell.
- Amazon FBA: Purchase 1,000 units of a winning SKU before Q4. Advance covers manufacturing deposit and shipping.
- Ukrainian Specialty Food Importer: Import a container of European specialty goods. Advance covers customs duties, freight, and product cost. Repay as restaurants and specialty stores order.
- Clothing Boutique: Buy seasonal fashion inventory before spring collections arrive. Repay from spring sales.
Frequently Asked Questions
Yes. Bankable's inventory financing is based on your business's sales history and the quality of the inventory being purchased. Immigration status is not a qualifying factor. EAD and 3 months of business bank statements are the primary requirements.
Consumer goods (food, beverages, clothing, electronics), industrial supplies, restaurant food and beverage inventory, Amazon FBA product inventory, and specialty goods. Perishable inventory has shorter financing terms than durable goods.
Bankable advances 70-85% of inventory cost for most product categories. Luxury goods, perishables, and highly specialized inventory may have lower advance rates (50-65%) due to liquidation risk.
Repayment comes from a percentage of daily/weekly sales revenue as inventory sells through. Typical inventory financing terms run 60-180 days, aligned to the expected sell-through timeline for your specific product category.
Yes. Seasonal inventory financing is structured around your specific sales cycle — larger draws before peak season, repayment during and after peak. Cuban retailers stocking for Christmas, Ukrainian food importers buying before Easter — both are ideal seasonal inventory financing scenarios.
3 months business bank statements, a purchase order or supplier invoice for the inventory you want to finance, and your EAD. For Amazon sellers, Seller Central deposit history. No tax returns required for amounts under $250K.
Yes. Import inventory financing covers factory payment, freight, customs duties, and delivery to your US warehouse. We advance based on verified purchase orders and your import history. Note: we cannot advance until the purchase order is confirmed with the supplier.
Inventory financing is designed for predictable sell-through. If sales slow significantly, contact Bankable immediately — we work with borrowers to restructure repayment schedules rather than creating a crisis. Transparent communication is always the right approach.