Contact one of our experts 0115 958 6872 Search Site
stocking finance

Stocking Finance

Stocking finance, also known as stock funding or unit stocking, is a facility given to dealerships relating to its vehicle stock.

What is Stocking Finance?

Stocking finance, also known as stock funding or unit stocking, is a facility given to dealerships relating to its vehicle stock. As opposed to other finance, it is specifically designed for dealerships buying and selling vehicles.

The primary purpose of stock finance is to release cash tied up in stock and increase the number of vehicles on a dealership’s forecourt to increase revenue and profits.

Stocking finance can be in respect of vehicles, cars, vans, lorries, HGVs, trucks, agricultural vehicles, and other vehicles.

Advantages of stocking finance

Some of the advantages of using stocking finance are:

Increased inventory levels

One of the main benefits of stocking finance for companies is that it enables businesses to increase their inventory levels without tying up their cash flow. By accessing stocking finance, businesses can purchase larger quantities of inventory and hold it for longer periods of time, without worrying about the impact on their cash flow.

Improved cash flow

Stocking finance can also improve cash flow for companies. By using stocking finance, businesses can hold on to their cash reserves and use the facility to fund inventory purchases. This enables businesses to free up their cash flow and use it for other business operations, such as marketing, advertising, or expanding their product range.

Competitive advantage

Stocking finance can also give companies a competitive advantage. By having access to stocking finance, businesses can increase their inventory levels and offer customers a wider range of products. This can help businesses stand out from competitors and attract new customers.

Cost savings

Another benefit of stocking finance for companies is cost savings. By purchasing inventory in bulk, businesses can take advantage of volume discounts and save money on purchasing costs. This can help businesses improve their profit margins and increase their overall revenue.


Finally, stocking finance offers companies flexibility. This type of financing is typically short-term, which means that businesses can use it for specific inventory purchases and repay the loan once the inventory is sold. This enables businesses to manage their cash flow more effectively and avoid long-term debt.

We Have an
Appetite For ‘Yes’

10,000+ Companies Helped
Supporting businesses of all sizes with whole market financial access.

 The process of stocking finance

  • Before making an application you should get together a full set of your latest filed financial statements, together with any available up to date MI and your current stocklist.
  • As a business owner you will normally be required to offer a personal guarantee so you should also be ready to submit details of your personal financial situation.
  • Once you apply, the chosen provider will review all of the information submitted and run credit checks on the business and the business owners.
  • To qualify for credit facilities, the dealership needs to have good credit history to demonstrate to the funder that a new credit line is appropriate and help them assess the size of facility. Low credit scores and some adverse marks on a credit history won’t always prevent an individual from obtaining a facility, but it will limit the amount of capital a lender is willing to give to a particular dealer and at what rate.


How to apply for stocking finance

MAF Finance Group can compare finance offerings from a wide panel of lenders to find the best option for you.

If you would like to get a quote or need further information, simply fill in the form and we will contact you. If you want to speak to someone directly, you can call us on 0115 958 6872 and a member of our team will be happy to speak to you. Alternatively, email us at

Other Products We Offer

Additional products in our extensive range of Financial Solutions

Asset Finance

Asset finance allows you to purchase an asset for your business by spreading the cost over monthly repayments meaning you won’t need to use your working capital.

Asset Refinance

Asset refinancing is a way of raising capital against assets you hold on your balance sheet.

Asset-Based Lending

Asset-based lending (ABL) is a type of finance in which a business can use its assets, such as inventory and property to release working capital.

Hire Purchase

Hire purchase allows your business to buy an asset by spreading the cost over a fixed period of time with regular monthly instalments.

Invoice Finance

Invoice finance provides early access to the funds owed to you in unpaid invoices if you find your business waiting for customers to pay for your services or products.

Unsecured Loans

An unsecured loan is a way of injecting cash into your business if you need help with working capital or general expenses.

AFC Logo

Get a Quote in 60 Seconds

Asset Finance up to £100k