Stock Loans
Stock Loans are designed to give your business the buying power to secure inventory when you need it most — whether that’s to prepare for peak season, take advantage of supplier discounts, or keep up with rising demand. This type of funding provides a lump sum paid directly to your business, so you can purchase stock without putting pressure on your day-to-day cash flow.
Use funds to buy in bulk, invest in high-margin products, or respond quickly to new opportunities — all while maintaining headroom for operational costs.
Funding to Keep Your Shelves Full
Having the right stock at the right time is vital — but it often requires a significant up-front investment. Whether you’re in retail, wholesale, manufacturing, or trade, stock funding helps you stay agile without draining your working capital.
A stock loan spreads the cost over fixed monthly repayments, helping you keep goods flowing and customers happy, while your business stays financially balanced.
Are high upfront costs pricing your business out of your growth goals? Distributing payments over a period of time could help significantly.
How Does a Stock Loan Work?
Stock Loans sit within our wider Business Loan range and are designed to help businesses access fast, flexible, and unsecured funding to support inventory purchasing and supply chain management. Where eligible, they can be backed by the Government-supported Growth Guarantee Scheme.
Once you apply, your Account Manager will assess your requirement, shortlist the most suitable lenders, and help you secure an offer — often within 24 hours. Once accepted, funds are transferred directly to your business account, typically within a further 24 hours.
You can also explore our website tools to support your decision-making — including our repayment calculators to get a clear idea of monthly costs, and our eligibility checker for a quick, commitment-free check on potential funding options.
Stock Loan Key Points
Funding from £10,000 up to £5,000,000.
Fixed monthly repayments over 1 to 7 years.
Ideal for seasonal, high-volume, or opportunity-based stock purchases.
Helps preserve day-to-day working capital.
Origin are a finance broker and we will pair you with the most suitable lender on our panel.
Stock Loans FAQs
Am I eligible for a stock loan?
Can I apply if I’ve already purchased the stock?
Do I need to offer security?
How much can I borrow?
How quickly can I get the funds?
Is this only for product-based businesses?
What can I use a stock loan for?
What different finance solutions does Origin offer?
