Funding for
Funding to buy stock or inventory
A supplier discount with a short window, or a pre-season buy you need to land before the peak — but the cash is tied up in property and the bank can't move before the opportunity closes. Releasing equity against property your company or trust already owns funds the stock now, sits behind your existing mortgage with no refinance, and is repaid as the stock sells through.
Indicative only — subject to assessment. Placeholder figures.
When a stock opportunity needs cash you can’t free up in time
A supplier offers a real per-unit saving for a larger order, or you need to stock up before a peak — end of financial year, the festive season, a seasonal run — and the order has to be placed and paid for now. The saving or the season is genuine; the problem is timing. You pay the supplier well before the stock sells and the cash comes back, and most of your capital is already sitting in property rather than the business account. A bank can fund this, but it wants full financials and runs to weeks. The discount window or the buying season usually closes first.
How releasing equity funds the buy
The capital can come from property your company or trust already owns. A second mortgage behind your existing mortgage — or a caveat where the window is tight and speed matters more than term — releases that equity without refinancing your first facility, so a good first rate stays untouched. Assessment is on the security and the exit, not on income or full financials, which is what lets it settle in days rather than weeks. The exit is the stock itself: it sells through at its margin, the trading uplift repays the facility, or a refinance does once the buy has done its job.
When this works — and when it doesn’t
This suits a real, costed opportunity — a genuine saving or a pre-season buy you can sell through at a known margin, against property with equity and a clear exit. It does not suit slow-moving or speculative stock that won’t clear inside the term: securing short-term debt against the property to buy inventory that then sits in a warehouse only enlarges the downside. A “discount” that is really over-ordering is the same trap. And if the real issue is an ongoing cash-flow gap rather than a one-off opportunity, that is working capital or a restructure, not this — worth talking through with your accountant before you borrow against the property.
What we’ll need to start
Four things: the amount, the security (the property and any existing mortgage), the purpose (the buy, and the saving or margin behind it), and the timeframe (the window, and how long the stock takes to sell through). Documentation is light to begin — a rates notice, photo ID and a current-mortgage statement. The clearer the exit — how and when the stock turns back into cash — the faster we can come back with indicative terms.
- Companies or trusts with property equity and a real, costed stock opportunity
- A genuine supplier discount or pre-season buy you can sell through at a known margin
- A short window a bank can't meet in time
- Owner-occupier consumer borrowers (business-purpose only)
- Slow-moving or speculative stock that won't clear within the term
- An ongoing operating cash-flow gap rather than a one-off opportunity
How it compares
FAQ
Can I use property to fund a stock purchase?
Yes. A second mortgage or caveat behind your existing mortgage releases equity from property your company or trust already owns, with no refinance of the first facility, to fund the buy.
How fast can the funds be available?
Often within days once we have the security details and a clear exit — which is why this can suit a short supplier window.
What's the exit on a stock-purchase loan?
The stock selling through at its margin, with the trading uplift repaying the facility, or a refinance. We tie the term to your expected sell-through.
Is the stock itself the security?
No. The security is property you already own. The stock is what the funding buys and what repays it, but the loan sits behind your existing mortgage, not over the inventory.
Is this business-purpose lending?
Yes — funding to companies and trusts for a business purpose. We don't fund owner-occupier consumer borrowers.
Fund the stock buy against your property.
The amount, the asset and the timeframe. We’ll review and come back to you fast.
You deal with us start to finish.
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