Inventory Finance
Turn Your Inventory Into Working Capital
Don’t let your capital sit on a shelf or float on the water. Origin unlocks the value of your goods—from transit to warehouse—giving you liquidity to purchase more and grow faster.
THE ORIGIN ADVANTAGE
BEYOND THE WAREHOUSE
Valuation-Based Limits
We understand the true market value of your inventory. Our advance rates are designed to maximize liquidity, looking beyond simple cost basis to the realizable value of your stock.
Location Flexibility
We lend where you do business. Whether your goods are in a third-party logistics (3PL) facility or your own warehouse, we structure facilities that adapt to your existing footprint without forcing operational changes.
End-to-End Coverage
We don’t wait for goods to land. We can fund inventory while it is still on the water or in the air, bridging the critical cash gap between factory payment and final delivery.
THE FUNDING CYCLE
Sale & Repayment
You sell the goods to your end customer. You repay the facility as the inventory converts to a receivable or cash, aligning your debt service with your revenue cycle.
Logistics & Storage
The goods move through your supply chain. Whether they are in transit or settled in your warehouse, Origin’s facility provides continuous liquidity.
Procurement
You issue a purchase order to your supplier. Origin can step in to fund the payment directly or refinance the goods once shipped.
Calculate Your Trapped
Capital
Estimate the liquidity you can unlock
from your current stock levels
Strategic Applications.
Structuring & Technical
Considerations.
Do I need to move my inventory to a 3PL?
Not necessarily. While many lenders require goods to be held in a Third-Party Logistics (3PL) facility, Origin can often structure facilities for goods held in your own warehouse, provided there are adequate inventory management systems and insurance in place.
Can you fund inventory that is "In-Transit"?
Yes. We specialize in supply chain finance. We can fund goods while they are on the water or in transit, provided there is proper cargo insurance and tracking in place. This is a key differentiator from traditional bank lines that often exclude “floating” stock.
What types of inventory do you fund?
We focus on Finished Goods, Commodities, and marketable Raw Materials. We generally avoid highly perishable goods or WIP (Work-In-Progress) with complex conversion cycles. Our goal is to fund assets with a clear, liquid secondary market.
How often is the borrowing base updated?
To maximize your liquidity, we typically update the borrowing base on a weekly or monthly basis via a digital reporting certificate. For high-volume environments, we can integrate directly with your Inventory Management System (IMS) for real-time availability.
Is this a loan or a purchase?
Our primary inventory product is a revolving credit facility secured by the asset. This allows you to retain title and control of the goods while accessing the liquidity trapped within them.