What is stock financing?

Inventory financing, which is sometimes also called Inventory financing, is a type of corporate finance designed to help companies buy into inventory. It's a solution that bridges the financial gap that arises between you having to pay your suppliers (often directly) and when you get paid by your customers (often weeks or months later).

For companies in e-commerce, retail or automotive, this is a constant challenge. A well-stocked warehouse is a prerequisite for sales, but it also binds huge amounts of capital. Stock financing frees up this capital and transforms your stock from a financial burden into a pure growth engine.

Challenges that warehouse financing solves

Running a stock-intensive business involves a constant hunt for balance. You need to have enough products to meet demand, but not so much that it drains your account.

The most common challenges we see are:

• Seasonal variations: You need to buy goods for the Christmas trade or Black Friday as early as August-September, but get paid only in December-January. The same applies to the summer range bought in during the winter.
• Volume Discounts: Your supplier offers a 50% discount if you buy a whole container, but you don't have the liquidity to lie out with the money.
• Long lead times: Goods from Asia or other parts of the world can have lead times of several months and often require prepayment long before you've even seen the products.
• Highly capital-bound goods: Especially in the automotive trade, each individual car on the farm binds hundreds of thousands of kronor in capital.
• Traditional banks: Asking an old big bank for a quick loan to replenish the stock is rarely “quick”. It requires lengthy processes, business plans and often hard collateral.

Qred's solution is built to solve exactly these problems. We are rebels against the old banking system and have created a finance service that actually works for small business owners.

Qred Business Loans — The Perfect Solution for Inventory Financing

We don't believe in complicated, niche products. We believe in simplicity and transparency. That's why we offer a simple product: a flexible business loans from 50,000 kr to 5,000,000 kr that you can use just how you want.

When you use our loan as your stock financing, you get the best of both worlds. You get the capital you need right away, but with a flexibility no traditional bank can match.

The main advantage: No bonding time

This is at the heart of our inventory financing solution. Since your need is temporary, why should you be stuck in a loan for years?

Imagine this scenario for your e-commerce:

1. Septiembre: You need to buy in goods for Black Friday and Christmas trading. You take a business loan from Qred of SEK 500,000 and pay your suppliers.
2. October - November: You only pay our fixed monthly fee for the loan.
3. Desember: Sales are taking off and the money is starting to pour in.
4. January: Once customers have paid and the sale is over, you repay the entire loan to Qred — at no extra cost or penalty.

You've only paid for the months you actually needed the capital. This makes it easy to count on the profitability of your seasonal bet. You get the power to grow without incurring unnecessary, long-term costs.

Adapted financing for stock-intensive industries

Different industries have different challenges, but the need for steady cash flow is universal. We have helped thousands of companies optimize their inventory financing.

Warehouse Financing for Retail and E-Commerce

For those who run a store or e-commerce, the warehouse is your most important asset. Having “out of stock” on a best-selling product is a lost revenue and a disappointed customer.

• Peak seasons: Black Friday, Christmas shopping and summer sales are “make or break” for many traders. Not being able to afford to replenish stocks ahead of these periods is a direct barrier to growth.
• Trend Sensitivity: New trends are emerging quickly. You need to have the capital to act directly and buy into what is in demand before the trend dies.
• Import & Customs: If you buy from abroad, customs duties and VAT are often added, which must be paid directly upon importation, long before the goods are sold.

With Qred's fast financing, you can ensure that your inventory is always optimized for maximum sales. Read more about how we help traders on our page loans for stores and e-commerce.

Inventory Financing for Car Dealers

In the automotive trade, capital bonding is extreme. Each car in the warehouse is a great investment waiting for the right buyer.

• New Year Models: Car dealers have to buy into the new-year models, often in high volumes, to be competitive. This requires huge liquidity during specific parts of the year.
• Substitutions: Each trade-in car binds capital. A flexible financing allows you to accept more trade-ins, driving new-car sales, without your cash flow collapsing.
• Seasonal needs: Building up a stock of convertibles for spring or all-wheel drive cars for winter requires capital up front.

Qred's solution gives you as a car dealer the financial muscle to have the right cars in stock at the right time. Read more about our solutions on the page about loans to car dealerships.

How Qred Stock Financing Works

We've removed all the hassle that traditional banks love. Our process is refreshingly honest, digital and incredibly fast.

1. Apply in 1 minute: Fill out your application on our website. It is completely free and not binding.
2. Personal message within 1 hour: We usually get back to you within an hour with a personal offer. We look at you as an entrepreneur, not just at old financial statements.
3. Digitally sign: Accept the quote easily with BankID.
4. Money in the account on the same day: We pay out the money right away. You can now pay your supplier and secure your stock.

What does it cost? Transparent pricing, no hidden fees

Transparency is one of our core values. We have therefore abolished the traditional interest rate and replaced it with a fixed monthly fee.

You know exactly what your inventory financing costs each month.

• No start-up fee.
• No hidden fees.
• No fee to pay back early (we encourage it!).

If you borrow 200 000 kr to finance your inventory and your fixed monthly fee is 2 000 kr, that is the only cost you have. If you pay everything back after 3 months, the financing will have cost you a total of 6 000 SEK. Simple and honest.

Why choose Qred for your inventory financing?

Since 2015, Qred Bank has helped over 50,000 entrepreneurs grow. We are the bank driven by the passion to help small businesses. Our thousands of positive reviews on Trustpilot show that business owners appreciate the way we work.

We offer:

• Speed: Apply in 1 minute, payment on the same day.
• Simplicity: A digital process, a fixed monthly fee.
• Flexibility: No bonding time. Pay back when you have sold your goods.
• Servizi: World-class personal service from our experts.

Don't let a temporary liquidity gap slow your growth. Take control of your inventory and cash flow.

Apply for your stock financing today — it's free, non-binding and you'll be notified within an hour.