Manufacturing
Seasonal producers
Inventory builds ahead of the selling season.
For Businesses
Stock (Inventory) Financing
Unlock capital sitting in your warehouse. Borrow against inventory you already hold, with monitoring that runs digitally instead of through surprise audits.
IMAGEProduct visual — 560×340
What it is
Finished goods, raw material and commodities all tie up cash. Stock financing advances against their value, with the inventory itself as security. GTFHUB integrates with warehouse and inventory systems so drawing power updates as stock moves, and lenders see the same numbers you do.
Works for own-warehouse stock, third-party warehouses and collateral-managed goods.
- Drawing power that updates with stock movement
- Warehouse receipt and collateral manager integrations
- Revolving structure — draw and repay as stock turns
- Works with receivable financing once goods are sold
IMAGEStock Financing — dashboard mock
How it works
From upload to disbursement, on one screen.
01
Connect inventory
Link your ERP/WMS or upload stock statements.
02
Valuation
Drawing power set on stock category, ageing and market price.
03
Draw down
Draw against available drawing power as needed.
04
Repay on sale
Repayments track stock liquidation; drawing power refreshes.
Indicative terms
Final terms depend on the financier, counterparty and tenor.
| Parameter | Typical range |
|---|---|
| Advance rate | 50–75% of eligible stock value |
| Tenor | Revolving, 12-month review |
| Ticket size | ₹25 lakh to ₹100 crore |
| Monitoring | Digital, with periodic physical verification |
| Security | Hypothecation / pledge of stock |
Who it's for
Distribution
Distributors & retailers
Large SKU counts and steady stock turns.
Commodities
Agri & metals traders
Warehouse-receipt-backed stock with liquid markets.
Frequently asked
How is stock valued?
On landed cost or market price, whichever is lower, with haircuts by category and ageing. Perishables and fast-obsolescence goods carry higher haircuts.
Do I need a collateral manager?
For larger facilities or third-party warehouses, usually yes. For own-warehouse facilities digital monitoring often suffices.
What happens when I sell the stock?
Proceeds repay the drawing, and the resulting receivable can be financed under a receivable line on the same platform.
Capital, when the invoice is raised.
Not sixty days later.
Tell us what you're financing and we'll route you to the stock financing desk.
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High value transactions deserve a conversation. Tell us what you are trying to do and we will route you to the right desk.