Key Takeaways
- Inventory financing advances capital against specific product purchase orders from verified suppliers
- Retail, e-commerce, wholesale, and manufacturing businesses all eligible
- Up to 80% of purchase order value can be advanced before inventory arrives
- No green card required — EAD, supplier invoice, and sales history sufficient
- Seasonal inventory builds (holiday, back-to-school, Ramadan, quinceañera season) are primary use cases
Inventory financing solves a fundamental business problem: you need to buy inventory before you can sell it, but your current cash is needed for operations. For VAWA self-petitioners who run product-based businesses — retail stores, e-commerce brands, wholesale distributors, food manufacturers — inventory financing is often the single most impactful capital tool available.
The mechanics are simple: Bankable advances 70–80% of a confirmed supplier purchase order. You buy the inventory. As inventory sells through your POS system, online store, or wholesale channels, the advance is repaid from the proceeds. You capture the profit margin without waiting months to save the upfront capital organically.
How Inventory Financing Works
- You receive a purchase order from a buyer, or you identify inventory you want to purchase
- You submit the supplier invoice to Bankable
- Bankable advances 70–80% of the purchase price within 48 hours
- You pay the supplier and receive the inventory
- As inventory sells, you repay the advance from sales proceeds
- The remaining 20–30% (minus Bankable's fee) is released to you as profit
E-Commerce Inventory
Finance Amazon, Shopify, and platform seller inventory for peak seasons.
Learn More →Wholesale PO Financing
Fund production or inventory purchases against buyer purchase orders.
Learn More →Frequently Asked Questions
No. Bankable does not require a green card, US citizenship, or permanent residency. A valid Employment Authorization Document (EAD), business EIN, and 4 months of documented business revenue are the primary requirements.
Bankable issues funding decisions within 48 hours of a complete application. Funds reach your business bank account within 3 to 7 business days of approval.
No. Business financing is a lawful commercial activity. Bankable does not report to USCIS or any immigration agency. Your petition and your business financing are entirely separate matters.
Physical retail goods, Amazon FBA inventory, wholesale merchandise, raw materials for manufacturing, specialty food products, apparel, beauty products, and most tangible goods can be financed. Digital products and services are not inventory financing eligible.
A confirmed purchase order from a buyer strengthens your application. However, Bankable also advances against supplier invoices where you are buying inventory for your own store or platform, using your sales history as the repayment basis.
Working capital is a general-purpose advance against your overall business revenue. Inventory financing is specifically tied to a purchase transaction — it advances against a particular inventory purchase and is repaid as that specific inventory sells.
Seasonal inventory builds are one of the most common inventory financing use cases. Holiday season (Q4), Ramadan food products, quinceañera season, back-to-school, and summer outdoor goods are all seasonal peaks that Bankable regularly finances.
We structure inventory financing repayment around realistic sell-through timelines based on your historical inventory turns. If a product sells slower than projected, contact Bankable proactively — we work with clients to restructure repayment timelines for documented slow-moving inventory.