How much can I borrow against my inventory in Canada?
Typically 50–70% of the cost value of eligible stock, on facilities from $50,000 to $2,000,000. Standard goods with a live resale market sit at the top of that range; seasonal, perishable, or custom stock sits lower or falls out of eligibility.
Start an applicationThe advance rate follows two questions: what the stock would fetch if the lender had to sell it, and how reliably it turns. Branded goods with steady demand and a wholesale resale market margin near the top of the 50–70% band. Fashion, perishables, and custom-made product margin lower, because their value decays faster than a recovery sale could happen.
Eligibility is assessed on cost value, not retail price — the facility follows what you paid for the stock, evidenced by supplier invoices and a periodic inventory listing. Obsolete stock, consignment goods, and inventory already pledged to another lender are excluded from the borrowing base.
The number that surprises operators is how much the reporting matters: a business that can produce a clean inventory listing with cost values and turnover history gets a stronger facility than one with better stock and no records. Voxen structures facilities from $50,000 to $2,000,000, quoted per file, with the facility revolving as stock sells and restocks.
How cost is quoted, by product
Figures are typical ranges for a complete file, not guarantees. Final terms depend on revenue, time in business, credit profile and lender review.
| Merchant Cash Advance (MCA) | Factor 1.15–1.45 |
|---|---|
| Business Line of Credit | ~8–20% APR |
| Invoice Factoring | 1.5–4% of invoice |
| Equipment Financing | ~7–18% APR |
| Bridge Loan | ~10–18% APR |
| Term Loan | ~8–22% APR |
| Inventory Financing | Quoted per file |
| Acquisition Financing | Stack-dependent |