Take the whole load.
Pay for it as it sells.
The best lots on our floor are the ones nobody else can write a check for in one bite. We underwrite the purchase ourselves, so the size of your deal is set by the opportunity in front of you — not by what happens to be in your account this week.
One counterparty for the goods and the money
Traditional lenders don't understand a manifest and can't value a pallet. We wrote the manifest. That changes everything about how the deal gets underwritten.
We know the collateral
We bought it, graded it and priced it. There's no third party trying to guess what a truckload of open-box refrigerators is worth on a Tuesday.
We move at deal speed
Closeouts don't wait three weeks for a credit committee. Applications are decided in a day and funded the day after documents are signed.
We finance the sell-through
Structures follow how inventory actually converts — seasonal payments, interest-only ramps, and release against paydown on large lots.
Light documentation
Two-page application. Three months of bank statements. No tax returns under $250,000 and no business plan to write.
No prepayment penalty
Clear the lot in three weeks instead of nine months and every dollar of that spread stays with you. We'd rather have you back sooner.
Lines that grow
Perform on two deals and we review your line automatically. Most active accounts see their limit double inside the first year.
What we actually look at
We're lending against inventory we know, to operators who move it. The profile matters more than the credit score.
- Two years in business — or one year with strong sell-through history in the sector.
- A real resale channel. Store, site, route, export, wholesale — we just need to see where it goes.
- Personal guarantee from owners holding 20% or more, standard on all lines.
- Bank statements, three months minimum, showing deposit consistency.
- Credit is a factor, not a gate. We approve plenty of files banks turn down.
- UCC-1 filing against the financed inventory, released at payoff.
Rates by term
| Term | Typical APR |
|---|---|
| 30–180 days | 8.9% |
| 6–12 months | 10.9% |
| 12–24 months | 12.9% |
| 24–36 months | 14.9% |
Representative rates for well-qualified applicants. Actual pricing depends on credit profile, sector, deposit and sell-through history. Not a commitment to lend. See disclosures.
Four steps, about a day and a half
Apply
Two pages, five minutes. Soft credit pull that does not affect your score.
Get your line
Decision within one business day, with your limit, deposit and available terms.
Pick a lot
Choose a deal on the floor and select your structure. Payment shown before you commit.
Fund and ship
E-sign, deposit clears, inventory releases and the truck gets loaded.
Find out what you'd be approved for
Soft pull, no obligation, answer inside a day. Knowing your number changes which deals you even look at.