accord services retail financing hero

Retail Inventory
Financing Takes
Your Business
to the Next Level


We know how difficult it is for small and medium-sized retailers to access adequate retail inventory financing. The challenges that face your industry have also influenced inventory financing lenders, many of whom have fled to safer ground. Traditional lenders, such as banks, are often unwilling to provide a loan against retail inventory if the need is less than $10 million.

Many apply traditional financial covenants as preconditions to a retail inventory loan while others simply don’t understand the dynamics of the retail marketplace. Accord requires none of those traditional covenants, and has been supporting US and Canadian retailers with retail inventory financing for over 40 years.

The North American retail industry has seen rapid change over the last decade. As the environment gets tougher and tougher, retail inventory financing has become more important.

First it was the global multinationals, chipping away at the market share of independents and smaller regional chains. Then came online shopping, which left slower retailers in its wake. And of course, massive aggregators, like Amazon and eBay, have kept shoppers out of the stores and pushed margins down. On top of all these challenges, you also need to stay one step ahead of ever-changing consumer preferences and respond quickly to changes in an uncertain economy.

If your retail business has survived these seismic shifts, then you’re doing something right. But as a retailer, you know that your business is only as strong as the products on your shelf. Your product pipeline, the current assortment, and your ability to keep the shelves stocked are all keys to success for this season and the next. Inventory financing loans could be the answer to keeping your company running smoothly.

Why Use Inventory Loans?

Inventory financing consists of short-term loans or a revolving line of credit for companies to purchase their products they intend to sell. Inventory loans are small business loans usually classified as secure, as the business owner uses existing inventory as collateral instead of personal assets.

Retailers, wholesalers, and seasonal businesses benefit from an inventory financing loan when they most need it, especially during times of sale fluctuations. The last thing you need to worry about is retail inventory financing or paying your business expenses. You manage your inventory while Accord manages your financing.

Retail inventory financing is part of our longstanding Asset-Based Lending financing service—a core part of our expertise for many decades. With Accord, financing your inventory is straightforward, efficient, and effective.

Get More than an Inventory Loan

But you need more than just a loan; speed and flexibility are the keys to managing change in the retail environment, especially if your business is:

  • Experiencing growth that requires a buildup in your inventory
  • Expanding to one or more new locations
  • Expanding into new segments (e.g., online sales)
  • Vertically integrating your business
  • Overcoming financial difficulties (e.g., managing a turnaround or restructuring)

While Accord delivers effective retail inventory financing, it works best when your business operates with an effective inventory reporting system.

Business Loans Designed for Every Type of Retailer

Over the years, we have served North American companies across many sectors of the retail industry. We understand the true value of different types of inventory and we’ve provided retail inventory financing to clients operating numerous stores in a variety of geographical locations. Our experience includes working with the following types of stores:

  • Clothing & Textiles
  • Consumer Electronics, and Appliance
  • Cosmetics, Beauty Supply, and Perfume
  • Junior Department
  • Discount Department
  • Furniture
  • Home Centers and Hardware
  • Home Furnishings
  • Internet Retail
  • Jewelry
  • Pet and pet supplies
  • Footwear
  • Sporting Goods
  • Toy and Hobby

It’s much easier for medium and small business owners to obtain an inventory financing loan compared to your average business loan. Lenders don’t judge a business’ credit score as harshly since the loan is secured by existing inventory.

When you’re thinking of purchasing inventory, Accord is the inventory financing lender in North America that can efficiently handle the job.

For most retailers, inventory is the single largest asset on the balance sheet. As an entrepreneur, CEO or CFO, you know that strong financing for this part of the business is paramount.

Accord’s retail inventory financing program is a winning formula for the following reasons:

  • Advance rates can be up to 90% of the net realizable value of your retail inventory, helping you maximize the amount of inventory we can finance.
  • Retail inventory financing starts at $1,000,000 and can go up to $20,000,000.
  • Your business isn’t subject to restrictive financial covenants.
  • A dedicated team is always available to help your business succeed.
  • As with any of Accord’s asset-based loans, a loan against your retail inventory grows as your business grows.

Our retail inventory financing program is focused on speed and simplicity, which is important if you are growing or managing a turnaround and traditional banks have turned you down.

Our generous advance rates, combined with our experience and flexibility, make Accord your best option for inventory finance to maximize liquidity and grow your business.

With Accord as your inventory financing loan advisor, you have one of North America’s most experienced teams on your side. We serve small and medium-sized businesses with cost-effective and timely financing solutions, including retail inventory financing. We listen carefully, and draw on decades of experience to provide the support you need to make your business thrive.

Use our expertise to your advantage by joining our flexible retail inventory financing program today!

Accord Inventory Financing

Frequently Asked Questions

Retail inventory financing is a form of asset-based financing that allows retail businesses to use inventory as collateral to support an asset-based facility.

A retail inventory loan is an asset-based loan that is secured by inventory. You may borrow a certain amount based on a percentage of the value of your inventory, which is determined by the lender, usually working in conjunction with an appraiser. Seasonal fluctuations in your inventory levels can be supported by an asset-based loan facility.

Although the typical term for an asset-based facility is one year, if your financing needs are more short-term, Accord can offer you the following solutions:

  • If your retail inventory financing requirement is less than $75,000, Accord’s small business financing unit offers loans with no minimum term. For your small business loan needs, contact at +1-800-967-0015, or

Retail inventory financing rates vary greatly from one transaction to the next. Typically, rates are based on the type of inventory available as collateral, the level of risk,and the financial performance of your business.

You can use a retail inventory financing facility to leverage your inventory and obtain financing, which you can use to purchase new inventory or finance other general operating expenses of your business.

If you have a retail business with inventory, a physical or e-commerce store, a business plan and a financing need, you meet the requirements for retail inventory financing. An appraisal of your inventory will also be needed to move forward with the inventory facility.

Even if you have poor credit, retail inventory financing is a solution that may work for you. Accord does not make decisions solely based on personal or business credit history. As an asset-based lender, our underwriting is focused on the actual value of your assets and not necessarily on historical financial performance.

Yes, if you run a startup you may still qualify for retail inventory financing. Length of time in business is not the only factor in the underwriting decision process.

Yes, you can obtain retail inventory financing for small businesses from us. Our small business financing unit offers loans up to $75,000 with no minimum term, which can be tailored to your needs. For more information on retail inventory financing for small businesses you can visit the page dedicated to small business loans.

Yes, if you are looking for financing solutions, including inventory financing for the wholesale industry and many other industries, you can turn to Accord, as we service a full spectrum of industries.