Inventory Financing for Auto Repair Shops and Home Builders Around Jeffersonville, IN

Inventory financing comes from a few kinds of companies: banks and credit unions with inventory lines, specialty finance companies that lend against stock, and suppliers that offer their own payment terms. A chiropractic or therapy office buying retail stock can compare all three.

Sunreach Capital sits in a different spot. It is not an inventory lender; it introduces a request to funding partners whose programs may fit, and each partner decides on its own terms.

Repair shops and builders, the trades named in this page’s title, carry stock as well. More than half of the 74 automotive repair and maintenance establishments in Clark County, IN’s 2023 County Business Patterns ran with under five employees: 40 shops, or 54.1% (NAICS 8111). On the nonemployer side, a different Census program, 95 automotive repair and maintenance businesses with nobody on payroll filed for 2024 (Nonemployer Statistics).

Illustration only, invented figures: a therapy office orders $9,600 of braces, supports, foam rollers and TENS units and finances the order at an annual rate of 12%. It sells about a third of the stock each month and pays the financing down by $3,200 at each month’s end.

Interest for the three months totals $192.00. If the stock sells more slowly, the balance stays up longer and the interest grows with it.

Inventory financing means paying for goods the business will sell or use, with the goods themselves backing the debt. For a chiropractic or therapy office, the goods are the retail side: supports, pillows, topical products and home-exercise gear.

It is not the right product for the treatment tables or the ultrasound unit; those are equipment, covered by equipment financing. Nor does it cover payroll, which belongs with working capital.

Purchase order financing is a close cousin. A funder pays the supplier for goods tied to a confirmed customer order, and the business repays the funder when the customer pays.

Illustration only, invented figures: a sit-down restaurant lands a $14,000 catering contract for a company event and needs $5,200 of food and disposables up front. The funder settles the supplier’s bill directly; its charge in this example is 3% of that bill for a 30-day term, $156.00. When the client pays, the restaurant settles the funder and keeps $8,644.00 toward labor and profit.

Sunreach Capital’s six products leave purchase order financing out. For a restaurant in this spot, the matching requests on this site are inventory financing or working capital.

1. The office lists the stock it wants, with supplier quotes and expected sell-through.
2. It calls (812) 297-3730 or sends the request form, then goes over the order on the call.
3. Sunreach Capital introduces the request to funding partners with inventory programs that may fit.
4. A partner that takes it up sets the advance, the rate and how the balance is paid down, for example as the stock sells.
5. The office repays from sales and can repeat the cycle with the next order, if the agreement allows.

Home builders run the same cycle with materials. Illustration only, invented figures: $26,500 of framing lumber, windows and cabinets financed for 45 days at an annual rate of 11.5% costs about $375.72 in simple interest before the house closes. Builders there skew small as well: 2023 County Business Patterns put 54 of the county’s 69 residential building establishments under five employees, which is 78.3% (NAICS 2361).