Said It Here

How to fund inventory for a growing physical product business

Growing product businesses often run out of working capital to buy enough stock, which stops them from hitting higher monthly revenue goals and scaling marketing. Traditional lenders like WayFlyer and other alternative sources frequently reject applications, leaving businesses stuck without the inventory they need to keep up with demand.

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

  1. 1
    Reaching out to professional networks, friends, and family for capital
  2. 2
    Applying for e-commerce revenue-based financing or inventory lenders like Wayflyer and On Ramp
  3. 3
    Using payment processor working capital programs like PayPal
  4. 4
    Applying for a business line of credit via a traditional bank
  5. 5
    Cold emailing strangers directly
  6. 6
    Self-funding through selling written stories or personal projects
  7. 7
    Publicly sharing the struggle to attract attention

In their words

Unedited, most upvoted first, each linked to the thread it came from.

I own a consumer product business that’s been growing pretty steadily, and I’m starting to realize our biggest constraint is becoming working capital.source ↗

We’ve had periods where we simply don’t have enough inventory to keep up, and obviously it’s difficult to scale marketing aggressively when you’re worried about running out of product.source ↗

Rypezsays · r/ecommerce · 11 upvotes

All were like "I'll get back to you" lol I heard of WayFlyer, but when I applied it said we didn't qualify.source ↗

We can't get to the $20k, $30k+ months without inventory.source ↗

Rypezsays · r/ecommerce · 1 upvotes

The problem, like it is for a lot of small businesses trying to grow, is capital.source ↗

GeneralRaspberry8511 · r/smallbusiness · 1 upvotes

Where this came up

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