Inventory Financing Calculator
Compare the true cost of financing inventory through different structures: bank line, trade credit, factoring, and revenue-based. Know your fully loaded financing cost per unit.
What financing inventory really costs
Compare the true cost of financing inventory through different structures: bank line, trade credit, factoring, and revenue-based. Know your fully loaded financing cost per unit.
How each method is costed
- Bank / LOC: inventory value x line availability x annual rate, plus the origination or annual fee.
- Trade credit: the early pay discount you forgo, annualized (discount x 365 / net days), on the share of inventory financed by supplier terms.
- Factoring: annual AR volume x factoring rate per invoice.
- Each annual cost is divided by units moved per year (inventory value x turns / unit COGS) to give a cost per unit. The "effective rate" is annual cost as a % of inventory value.
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