Quick answer
When stock is about to sell out, a container needs paying before release or prices are about to rise, fast stock funding lets you pay the supplier today. Unsecured funding sized on bank statements can be approved within the hour and funds can reach the supplier within 24 hours. Make sure the stock will sell quickly enough to repay comfortably.
Key points
- Lock in limited stock, release a container or beat a price rise
- Unsecured funding can be approved within the hour
- Pay the supplier directly for certainty
- Only buy what you are confident will sell
Some stock decisions have a short fuse. A distributor has 40 units left before the next shipment months away. A container is at the wharf and will not be released until freight, duty and the supplier balance are paid. A manufacturer has announced a price rise from the first of the month. In each case, the business that can pay today wins.
When speed creates real value
- Scarce stock: limited allocations of popular products, especially ahead of busy seasons.
- Container release: storage charges at the port add up quickly while a container waits for payment.
- Price rises: buying ahead of a confirmed increase locks in margin.
- Clearance deals: a supplier clearing a line offers a deep discount for a quick, full payment.
How fast it moves
Stock funding is usually unsecured and assessed on your bank statements, which show your sales pattern and existing commitments. Shared online, they let an assessor decide quickly: approval within the hour is common. Funds can be paid straight to the supplier, freight forwarder or customs broker, often within 24 hours. That is fast enough to beat most deadlines a supplier sets. Read more on fast stock and inventory finance.
Want to know where you stand today? See if you qualify, with no credit check to enquire.
Is this deal worth funding?
| Check | Ask yourself |
|---|---|
| Demand | Have I sold this product at this volume before? |
| Margin | After freight, duty and storage, what is left? |
| Sell-through | How many weeks until most of it is sold? |
| Funding cost | Does the margin or saving comfortably cover the total cost? |
The cost of delay calculator helps compare a missed discount or price rise with the cost of funding. If the numbers are close, buy less. If they are clearly in your favour, move.
Containers: count the extra costs
Imported stock brings costs beyond the supplier invoice: freight, customs duty, GST on import, broker fees and port storage if the container waits. Add them all up before you ask for funding, so you do not run short when the broker sends the final bill. Ask your customs broker for an estimate of everything due before release. If you import regularly, a line of credit can be set up once and drawn each time a container lands, so the next shipment never waits at the wharf while you arrange funding.
A worked example (illustrative)
An outdoor gear importer has a container of camping equipment at the Port of Brisbane, with about $96,000 due to the supplier and another $14,000 in freight, duty and broker fees before release. A large customer payment is three weeks away. The owner enquires on Monday morning and is approved within the hour. The supplier and broker are paid that afternoon, the container is released on Wednesday and stock is on shelves before the Easter long weekend.
Documents that speed things up
The fastest approvals happen when this list is ready to send in one reply:
- Supplier invoice or pro-forma
- Freight, duty and broker estimates for imports
- Your expected sell-through time
- Business bank statements
- Photo ID and ABN
Common delays and how to avoid them
These are the things that most often turn a same-day answer into a three-day one:
- Not counting freight and duty
- Supplier invoices in the wrong business name
- Statements split across several accounts
- Waiting until storage charges have already started
One request before you enquire
The enquiry takes about 60 seconds, and those 60 seconds decide how smoothly everything after it goes. Accurate figures for revenue and the amount, a straight answer about credit history and a clear yes or no on property mean the assessor can move straight to the decision. Guesswork means rework, and rework is the enemy of a 24-hour turnaround.
Quick recap
- Lock in limited stock, release a container or beat a price rise
- Unsecured funding can be approved within the hour
- Pay the supplier directly for certainty
- Only buy what you are confident will sell
Where the hours actually go
Fast does not mean careless. Every loan still gets a proper look at how the business trades, who owns it and how the money will be repaid. The difference is that we do the looking quickly and in parallel. Bank statements can be read in minutes once they are shared, property loans do not wait on a valuation, and documents are signed electronically. Approval within the hour is common, and funding within 24 hours is possible when every party signs promptly.
Get a real answer, fast
The enquiry takes about 60 seconds and there is no credit check when you first enquire. Your details stay with one team rather than being sprayed out to a dozen lenders, and a real person works out what fits. Please answer the form accurately, especially the amount, revenue and whether you own property, because that is what lets us match you properly the first time. Start your enquiry here.
Frequently asked questions
How fast can I pay a supplier for stock?
With bank statements shared online, approval within the hour is common and funds can reach the supplier within 24 hours.
Is it worth borrowing to beat a price rise?
Compare the saving from the old price with the total cost of the funding and the time the stock will sit. If the stock sells quickly, it often is.
Can I fund a container before it is released?
Yes. Freight, duty and the supplier balance can all be covered so the container is released on time.
What if the stock sells slower than expected?
That is the main risk. Keep the order to stock with proven demand, and talk to the lender early if sales lag.
Start the clock right here
The same 60-second enquiry, on this page. No credit check to enquire, and a real person picks it up fast.