Running an ecommerce business that relies on inventory can challenge your cash flow. How do you handle the gap between paying for stock and having it pay off for you?
We’ve launched our new inventory financing to help you free up your cash flow so you can have more freedom and flexibility to invest in your growth.
Let’s look at what it takes to bridge the gap between stocking up and selling out and how we can solve your problems.
The more you stock up on inventory, the less cash you’ll have. Or at least, that’s how it’s always worked. You spend working capital on your stock and wait to make a profit while the product is produced, delivered and sold.
Inventory is a huge expense for an ecommerce business, with most stocking up 4-6 times a year. When your cash flow faces such an impact from stocking up, the timing of doing so is critical, and finance teams must carefully plan around cash flow peaks and dips.
A large part of efficient inventory management is around the right investment in stock. When you outlay that money, the business is left with a gap to bridge until stock is sold, and you get your ROI. In some cases, this can take up to 6 months!
Tying up cash in inventory can have knock-on effects throughout the business, and your growth could be hampered as a consequence. Adding in other costs that also create a gap between spend and return, like customer acquisition through media buying, your business is looking at a complicated cash flow cycle.
If you want to boost your liquidity, have cash on hand to invest in other areas of your business, and continue growing even when you’re stocking up, then inventory financing could be the answer to your problem.
So, how does inventory financing work?
With Juni, customers in the EEA* can finance their inventory invoices on terms of up to 120 days with fees as low as 3%. That means you’ll get the money you spend on inventory in your pocket to invest back into your business without waiting to sell your stock.
“We’re really excited about enabling ecommerce businesses to free up capital so they can invest in further growth. By having less money tied up in large inventory orders, they reduce risks associated with sales seasonality,” says Samir El-Sabini, our CEO and Co-Founder.
“While it is difficult for businesses to influence their logistical lead times for inventory, payment terms are easier to adapt, and using our inventory financing enables them to negotiate more competitive offers from suppliers.”
Free up working capital and optimise your cash flow with Inventory financing from Juni. This means you can negotiate better terms with suppliers, take advantage of early payment discounts, and ultimately increase your profit margins.
Use a financing solution that aligns with your specific inventory requirements, like Juni. Whether you're managing fast-moving consumer goods, fashion, electronics, or seasonal products, our flexible financing options cater to your unique needs.
Always know the cost of your financing so you can plan your budget effectively and avoid unexpected surprises.
Get even more cash flow freedom with Juni Capital for cards and invoices.
Capital for cards gives flexible business credit lines, and you can effortlessly allocate funds across your virtual Juni Mastercard Corporate cards and streamline your cash flow management.**
Capital for invoices, powered by our Juni Invoices feature, can release the pressure on your cash flow cycles with financing on your ad invoices that gives you up to 90 days to repay***.
Juni gives businesses in digital commerce the financial tools and intelligence you need to manage and ease cash flow and make smarter decisions faster.
Gain complete visibility and control over your cash flow with a unified view of your funds, multi-currency business accounts, corporate cards and unparalleled insights and analytics – all in one place.
We can even help boost your bottom line with cashback and extend your runway with fast, flexible financing for everything from media buying to paying suppliers, with up to 90 days to repay. See availability for your country.
If you would like to apply for inventory financing please contact your account manager.
*Inventory financing is available for companies registered in NL, SE, DE, ES, IT, NO & FR, upon eligibility. Fees and terms and conditions apply.
**Capital for cards is available for companies registered in UK, NL, SE, DE, FR, ES, IT and FI, upon eligibility. Fees and terms and conditions apply. Click here for more details.
***Capital for invoices is available for companies registered in NL, SE, DE, FR, ES, IT and FI, upon eligibility. Fees and terms and conditions apply. Click here for more details.
Juni is not a bank – yet. We’re a financial technology company providing e-money services and as such are not part of a deposit guarantee scheme. Learn more about our license and how we keep your business and money safe.
Juni Technology AB (company number 559248-0908) is licensed and registered as an electronic money institution with the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) (license no: 64025). Payment Card Solutions (UK) Limited (company number 05941947) and UAB B4B Payments Europe (company number 305539054) are regulated by the Financial Conduct Authority (ref: 930619) and the Bank of Lithuania (licence no: 76), respectively. The Juni Mastercard Corporate Card is issued by Payment Card Solutions (UK) Limited and UAB B4B Payments Europe pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Juni Technology AB. Masthamnsgatan 21, 413 28 Göteborg, Sweden. © 2025 Juni. All Rights Reserved.
