One call or form to Mapleshore Financial sends the order details on to funding partners; they put a value on the goods and write the terms, if any.
Inventory financing lets a Steamboat Springs, CO business buy stock or job materials before they earn money, with the goods as collateral. Partners value the stock and set any terms.
At a glance
- Backed by
The stock or materials being bought
- Fits
Retail shops, landscapers, wholesale suppliers
- Paid back
As goods sell or go into billed jobs
Purchase order financing for Routt County, CO wholesale suppliers filling large orders
Purchase order financing helps a supplier that has a confirmed order from a customer but not the cash to buy the goods. The funding provider pays the supplier's own vendor, the goods ship to the customer, and the provider is paid when the customer pays the invoice, keeping its fee.
Illustration only, invented figures: a wholesale supplier gets a $40,000 order for restaurant supplies from a customer and needs $26,000 to buy them. A provider pays the vendor, the customer pays the $40,000 invoice later, and the provider takes back its $26,000 plus the agreed fee before the rest goes to the supplier.
Wholesale is a small group here. A supplier taking a big restaurant-supply order is one of only 50 wholesale trade establishments the 2023 CBP shows for Routt County, CO (NAICS 42), and 30 of those run with under five employees. ZIP Code 80487 on its own held 40 wholesale trade establishments that year (ZIP Code Business Patterns).
How does inventory financing work for a Routt County, CO landscaper?
A partner lends against stock the landscaper buys: plants, irrigation parts, landscape fabric, mulch and similar goods that go into jobs. The partner values the goods, advances part of that value, and the landscaper pays it back as the materials go into billed jobs.
- The landscaper names the order and the supplier quote.
- The partner sets an advance as a share of the stock's value and a rate or fee.
- The supplier is paid, and the goods arrive in the yard.
- The balance comes down as the jobs that use the goods are billed and paid.
Machines are a different case: a skid steer or mower is equipment, financed on the equipment financing page.
Choosing among inventory financing companies as a Routt County, CO landscaper
Inventory financing companies differ in the details that decide what a landscaper actually gets and pays. Compare them on these points before picking one.
- The advance: what share of the stock's value the provider will fund
- How the stock is valued: at cost, at resale value, or at a discount for goods that spoil
- The cost: an interest rate, a flat fee, or both, stated as a total in dollars
- Reporting: whether the business must send stock counts every month
- What happens to goods that do not sell or get used in time
Live plants and other perishable stock can be valued lower than hard goods such as irrigation parts, because they lose value sooner.
Inventory financing example: a Routt County, CO landscaper stocking up
Illustration only, invented figures: a landscaper orders $18,000 of plants and irrigation parts for signed jobs. A partner advances 70% of the order, $12,600, interest-only at an annual rate of 15%. Interest is $157.50 a month; if the jobs bill and pay within 3 months and the advance is paid off then, interest totals $472.50. The landscaper covers the other $5,400 of the order from its own cash.
Routt County, CO had 35 landscaping services establishments in 2023 (CBP, NAICS 561730). A crew that buys materials only after each client pays can lose the job to one that can buy ahead.
What is inventory financing for Routt County, CO retail shops?
For a retail shop, inventory financing means money to buy the stock that sits on shelves and racks before it sells: clothing, outdoor gear, gifts, home goods. Each jacket or tent on the rack doubles as security, and every sale chips at what is owed.
Retail is a large part of the county's business count: the 2023 County Business Patterns listed 200 retail trade establishments in Routt County, CO (NAICS 44-45), with 1,867 paid employees. Among them were 32 clothing and clothing accessories stores (NAICS 448) and 23 sporting goods stores (NAICS 451110), along with other store types.
Shelving, display fixtures and point-of-sale systems are not inventory; they belong with equipment financing. Rent and payroll gaps belong with working capital.
By Mapleshore Financial ยท Updated
