Juniperhollow Funding, a small-business funding broker in Lawton, Oklahoma, introduces retailers and wholesalers to partners that offer inventory financing: money for stock purchases, typically secured by the inventory and repaid as goods sell or on a schedule. The page explains floor plans, UCC filings and how it compares with factoring and credit lines. Partners decide and set terms.
| Built for | Stock bought before it sells |
|---|---|
| Security | Usually the inventory, often recorded with a UCC financing statement |
| Repayment | As the goods sell, or by set installments |
| Comanche County retail | 392 employer establishments, 5,443 employees (Census CBP 2023) |
| Comanche County wholesale | 63 employer establishments (Census CBP 2023) |
| Decision and pricing | Set by the lending partner, never by Juniperhollow Funding |
| Office | 301 SW C Ave, Lawton, OK 73501 · (580) 204-5667 |
How inventory financing works
A partner advances money toward a purchase of goods for resale. The inventory is pledged as collateral, and the partner usually records its claim in a public filing. As stock sells, the business pays down the balance, either item by item under a floor plan or through scheduled payments under a short-term inventory loan.
Because the goods secure the balance, partners care about what the stock is and how fast it moves. Fast-selling, easily valued merchandise is easier to finance than custom or perishable goods. Partners commonly advance only part of the inventory's cost, so expect to fund some of the order yourself.
Retail and wholesale in Comanche County, OK
Retail trade had more employer establishments than any other sector in Comanche County in 2023: 392, employing 5,443 people with an annual payroll of about $162.2 million (U.S. Census Bureau, County Business Patterns 2023). Another 63 establishments were wholesalers. Separately, the county counted 480 retail businesses and 72 wholesale businesses with no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024), a different program and year from the employer figures.
Within ZIP Code 73501, the office's own ZIP, retail trade was the largest sector at 128 employer establishments, with 33 wholesalers (U.S. Census Bureau, ZIP Code Business Patterns 2023). ZIP figures describe the postal area, not the city limits. More on the county is on the Lawton, OK page, and sector notes are under financing by industry.
Floor plan financing: what the term means
Floor plan financing pays for specific, identifiable items, each tracked by serial or stock number. When an item sells, the business repays the amount advanced on that item, often within a set number of days. Partners audit floor-planned stock in person or by record check. It is common for big-ticket goods such as vehicles, trailers, boats and large appliances, and less common for stores with thousands of low-priced items.
Inventory financing or factoring?
They finance different assets. Inventory financing borrows against goods you still hold. Factoring sells invoices you have already issued to customers, usually business customers, so the factor collects payment from them. A wholesaler that ships on terms might use both at different points: one to buy the stock, the other to turn the resulting invoices into cash sooner. Factoring is not among the six options this site covers, but it is worth knowing the difference when an offer arrives.
UCC filings and what they cover
A UCC financing statement is the public record that a partner claims certain assets. An inventory lender's filing may name the inventory alone, or inventory plus receivables and the proceeds of sales. A broad filing can make a second lender hesitant, so ask for the exact collateral description before signing and keep a copy. When the balance is paid, ask the partner to file a termination so the record is cleared.
Inventory financing beside the other short-term options
| Situation | Usually look at |
|---|---|
| Large, identifiable stock purchases | Inventory financing |
| Steady restocking of many small items | A line of credit |
| Stock plus wages and rent during a slow stretch | Working capital |
The comparison of all six sets out how each option is paid back.
What partners usually review
- A current stock list showing what each item cost
- The supplier quote or purchase order for the new stock
- Business bank statements showing sales deposits
- How quickly comparable stock has sold in the past
- Existing liens on inventory, if any
Partners set their own advance amounts and terms, and each one decides independently. The request steps explain what we send and when.
By Juniperhollow Funding · Updated
