Finance by purpose
Funding for buying stock
Stock funding is needed when you have to buy before you can sell — a seasonal peak, a supplier discount for volume, or a new line you want on the shelf before demand arrives.
Structures
How buying stock is usually funded
The right structure depends on how quickly the funding pays for itself. These are the options most often used for this purpose.
- Short-term facilities timed to the selling season
- Working capital lines that recycle as stock turns
- Unsecured funding where stock itself is not offered as security
Assessment
What affects the amount available
- Historic sell-through and how quickly stock turns
- Margin on the stock being purchased
- Seasonality visible in your bank statements
- Whether supplier terms already give you some breathing room
Preparation
What to have ready
None of this is mandatory before you start, but having it to hand makes the conversation quicker and the answer more accurate.
Supplier quotes or a proforma invoice
Recent sales figures for comparable periods
Your expected selling window
Business finance is a commitment. Repayments must be met from business income, and missed payments can affect your business. Consider affordability before applying.
£2,000 – £500,000
Months 1–6 · interest-free
£3,125.00
Then £3,453.80 a month for the remaining 18 months
No interest for the first 6 months — you repay capital only.
Illustrative estimate. Figures are worked out from a configured assumption that has not been verified and are not a quote or an offer of finance. Actual rates, terms and availability depend on assessment of your business.
Related options
Products that tend to fit
A specialist will confirm which of these suits your request once we understand how the business trades.
Unsecured Business Finance
For businesses that need working capital without securing finance against a specific business asset.
Secured Business Finance
For established businesses seeking larger or more complex funding arrangements.
Working Capital
For stock, suppliers, seasonal requirements and short-term cash-flow needs.
Growth Finance
For hiring, expansion, equipment, marketing and strategic projects.
Ready to move your business forward?
Start with an eligibility check, or talk it through with a funding specialist first. Either way you will get a straight answer about what may be possible.
£500 onboarding cashback when you complete onboarding
UKCapitalFund - Funding Circle Ltd is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.
UKCapitalFund - Funding Circle Ltd is not covered by the Financial Services Compensation Scheme.
Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.
UKCapitalFund - Funding Circle Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your FlexiPay account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011.
UKCapitalFund - Funding Circle Ltd also provides a FlexiPay Business Credit Card. This is separate and unrelated to the account and payment services you receive from Modulr FS Limited. The FlexiPay Business Credit Card is issued by Monavate Ltd (Company Number: 12472532) authorised in the UK by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services (Firm Reference Number 901097). The card is issued by Monavate Ltd pursuant to licence by Visa.
