Stock Finance
Buy goods locally to manufacture or finished stock to supply, get up to 3 additional months to pay

    KNOW NOW what you qualify for and what it will cost or
    Browse our multiple finance solutions

    SME Cash can provide Stock Finance to all types of businesses, from wholesalers and retailers, through to the hospitality and construction industries. At SME Cash, Stock Finance is part of our Inventory Loans solution, which can help meet the peak cash flows of your trading cycle.

    Stock Finance is highly useful for businesses required to pay their suppliers in a period shorter than the time it takes to re-sell their stock to customers. Stock Finance also provide a solution to businesses impacted from seasonal fluctuations of cash flows. It can help achieve higher sales - for example, by being used to acquire extra stock or inventory to be sold during the peak season.

    Stock Finance

    Qualify within 5 minutes. Stock your shelves.

    Get pre-approved so you can negotiate your best buying price and not be reliant on Vendor Finance. Improved buying can increase the profit margin for your business. Inventory Loans include finished goods (SKU’s), special orders and/or if you are a manufacturing business – raw materials.

    Importantly, SME Cash limits above $10k can act as a revolving line of credit.

    How does a revolving line of credit work?
    Businesses can use the loan product at their own convenience by drawing down to their limit. As the loan is substantially paid back a new limit is available to drawdown. This just requires you to ‘Go Digital’ by connecting your financials to the BusinessCentre.


    • Loans from a minimum of $5K.
    • Paperless & 100% online APPLY NOW process to ensure more secure and faster processing.
    • Daily, Weekly or Monthly Payment options to match your business and revenue.
    • Qualify for Stock/Inventory Loans and all SME Cash finance solutions including invoice Finance within 5 minutes by answering a few simple questions.
    • SME Cash can payout other lenders to consolidate existing debts, providing a more flexible solution for growth.


    • In business and Registered for GST at least 2 years.
    • Subject to SME Cash credit assessment.
    • Security requirements vary depending on amounts borrowed.
    • For loans below $50K and if an Invoice facility is not held with SME Cash, a 25% deposit is required. Above $50K loans, the deposit is waived and security is required.

    © 2019 SME Cash Pty Ltd