Running a product-based business but facing cash flow issues due to unsold inventory? Inventory financing might be the solution you need. At Bravima Solution Pvt Ltd, we help small and medium-sized enterprises (SMEs) secure hassle-free inventory financing through leading NBFCs like Tata Capital, Bajaj Finserv, and others. With our expert assistance, you can unlock working capital without liquidating your assets.
What is Inventory Financing?
Inventory financing is a type of short-term business loan that allows retailers, wholesalers, and manufacturers to borrow money against the value of their existing inventory. This type of loan is especially useful when your capital is tied up in unsold stock but you need funds for operations, expansion, or purchasing additional inventory.
Key Highlights:
- Loan based on value of inventory
- Short repayment tenure
- Ideal for businesses with regular turnover of goods
- Available through leading NBFCs via Bravima Solution
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How Does Inventory Financing Work?
Inventory financing is typically a secured loan, where your existing inventory acts as collateral. Bravima Solution works closely with India’s top NBFCs to assess your stock and arrange tailored financing options based on its value.
Example:
Let’s say you have unsold inventory worth ₹20 lakhs. With inventory financing, you may be eligible for a loan of up to ₹15–18 lakhs, depending on factors like stock type, business turnover, and repayment capacity.
Benefits of Inventory Financing Through Bravima Solution
| Feature | Benefit |
| Collateral-Based Loan | No need to mortgage property – inventory acts as security |
| Fast Loan Processing | Get approvals within 48–72 hours with Bravima’s NBFC tie-ups |
| High Loan Value | Avail up to 80% of your inventory value |
| No Business Disruption | Continue operations smoothly while securing working capital |
| Flexible Repayment Tenure | Tenures ranging from 6 months to 3 years |
| Credit Score Friendly | Even businesses with moderate CIBIL can apply |
Who Should Opt for Inventory Financing?
Inventory financing is ideal for:
- Retailers with seasonal sales trends
- Wholesalers stocking bulk inventory
- Manufacturers awaiting product distribution
- E-commerce sellers with large warehouse stock
If you operate in cities like Delhi, Mumbai, Hyderabad, Bangalore, or any other major Indian business hub, our local NBFC partners ensure a smooth financing experience tailored to your business needs.
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NBFCs Offering Inventory Financing Through Bravima
We connect you with some of India’s top NBFCs known for fast approvals, competitive interest rates, and business-friendly terms:
- Tata Capital – Flexible working capital loans with minimal documentation
- Bajaj Finserv – Up to ₹50 lakh inventory loans for SMEs
- Lendingkart – Quick disbursal and no collateral beyond inventory
- NeoGrowth – Ideal for retail businesses and small traders
- IIFL Finance – Customized business loans for inventory and equipment
With Bravima’s expert guidance, comparing and choosing the right NBFC becomes easy and efficient.
Eligibility Criteria for Inventory Financing
While specific eligibility may vary across NBFCs, here are the general criteria:
- Business vintage: Minimum 1 year of operations
- Turnover: At least ₹10 lakh annually
- Inventory ownership: Must have verifiable stock records
- CIBIL score: Preferably 650+, though lower scores may be considered
- Business registration: Proprietorship, partnership, or Pvt Ltd companies
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Documents Required
To apply for inventory financing through Bravima, you’ll need the following:
- KYC documents (PAN, Aadhaar)
- Business registration proof
- Last 6–12 months’ bank statements
- Inventory report and stock valuation
- GST returns
- Income Tax Returns (ITR)
We assist you in compiling and submitting documents to fast-track the approval process.
Why Choose Bravima Solution Pvt Ltd?
Bravima Solution is not just a loan facilitator—we are your financial growth partner. Here’s why businesses across India trust us:
- Strong NBFC Network: Direct tie-ups with Tata Capital, Bajaj Finserv, and more
- End-to-End Support: From eligibility check to disbursal
- Local Expertise: Specialized support in Delhi, Mumbai, Hyderabad, and beyond
- No Hidden Charges: Transparent processing and service fees
- Faster Approvals: Loans disbursed within 3–5 days
How to Apply for Inventory Financing via Bravima
Step 1: Submit Your Details
Fill out our quick online form or connect with our team.
Step 2: Get Matched with NBFCs
We shortlist the best inventory financing offers based on your profile.
Step 3: Complete Documentation
Upload or share required documents through secure channels.
Step 4: Receive Funds
Get funds directly into your business account after verification and approval.
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FAQs
1. Can I get inventory financing with a low credit score?
Yes, some NBFCs offer financing to businesses with moderate credit scores, especially if you have good stock value.
2. How quickly can I receive funds?
With Bravima’s support, approvals typically happen within 48–72 hours, and disbursal within 3–5 business days.
3. Is inventory financing suitable for seasonal businesses?
Absolutely. It’s one of the best options for managing cash flow during lean periods.
4. Do I need to provide additional collateral?
No, the inventory itself serves as the collateral for the loan.
