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Inventory Finance

Inventory Finance That Keeps Your Shelves Full

South Africa's Pay-As-You-Go Inventory Finance Solution

Running low on stock costs you sales. Tying up too much cash in inventory costs you growth. Geddes Capital's inventory finance solves both, we purchase stock on your behalf so your shelves stay full without draining your working capital.

Our pay-as-you-go model means you only repay once the stock has sold. No fixed terms, no rigid schedules. Whether you run an e-commerce store, an FMCG operation, or any product-based business with fast-moving, high-margin inventory, this is funding that moves with your sales.

Application Received5 days ago
Funding Approved1 day ago
R15 000 000 Paid1 hour ago

  • Why Inventory Finance is good for your business.

  • Easy to access

    Unlike traditional loans, we do not require fixed payments or security assets. Smaller and newer businesses without tangible assets can still access our inventory finance solution, making stock funding more inclusive than conventional lending.

  • Low Risk and Flexible Pay-As-You-Go Model

    With our pay-as-you-go inventory finance model, there are no fixed repayment terms. You only pay for stock once you have sold it, which keeps your cash flow balanced and reduces the financial pressure of carrying inventory.

  • Free Up Your Working Capital

    We buy stock for you or purchase existing inventory and convert it into accessible cash. This frees up working capital for retail stock operations, giving you more room to grow, invest, and respond to demand.

Inventory Finance

It's right for you if...

  • Your products are fast-moving and sold on an online marketplace.
  • You have high profit margins of above 30%.
  • You can show 6 months of sales data from online platforms.
  • You want to free up cash for a 3 to 6 month period.
  • Your monthly turnover is between R250k and R1.5m.
  • You have a 12 month track record.
  • You already have stock on hand.

  • 01

    We identify your stock

    We find the fast-selling products and their optimal inventory holding, and buy the relevant stock on your behalf. Our team works with your sales data to ensure the right products are funded at the right time.

  • 02

    You sell more stock

    You grow your business with the free cash that would have been tied up in inventory. You only pay us once you have sold the stock, keeping your repayments aligned with your revenue.

  • 03

    Your business grows

    With enough stock to supply demand, you never miss a sale. You maximise revenue, build stronger supplier relationships, and take your business to new levels of scale and profitability.