FRAGRANCE
INDUSTRY
INVENTORY FINANCING

You may sell products directly to customers or manufacture them for wholesale. Either way, you’ll likely need a store, factory, or home base to work from. If you’re expanding to new locations, real estate costs can grow quickly.

If you’re running a retail or wholesale operation, you may need perfume business funding to purchase products to sell.

If you’re making your own products, you may need machinery to handle production. If you’re running a retail operation, you might need things like POS systems, display shelves, or other sales equipment.

Spreading the word is key. That could mean budgeting for marketing materials, software tools, or even hiring a small team to help with promotion.

Thinking about adding new scents or launching a full collection? Expanding your product line often comes with extra costs, like developing formulas, testing, packaging, and marketing.

Other types of financing, like inventory funding, work differently. Instead of giving you cash upfront, the lender or backer pays your supplier directly for the inventory. You then repay that amount based on a schedule, often tied to how quickly you sell the products.

In some cases, you might receive funding from backers rather than taking on debt. These models often come with flexible repayment terms, but still involve fees or a percentage of your revenue. Whether you’re applying for a perfume business loan or considering more flexible options, it’s important to understand the structure and terms before moving forward.

Bank loans offer relatively low interest rates and longer repayment periods, making them a smart choice for established businesses. You can choose between a term loan (a lump sum paid back over time) or a line of credit (a flexible borrowing limit you draw from as needed).

Backed by the U.S. Small Business Administration, SBA loans are another long-term funding option. They offer competitive rates and are somewhat more accessible than traditional bank loans, especially for small or growing businesses.

However, they still involve a detailed application process and take time to approve. SBA loans are often used for major purchases, working capital, or expansion.

A business credit card can offer quick access to funds for smaller or recurring expenses like marketing, supplies, or travel. Many come with rewards or cashback. But interest rates can be high if you carry a balance, so it’s best to use them for short-term needs and pay them off quickly.

Online lenders provide fast access to financing with a simplified application process. They often approve businesses that traditional banks won’t, including newer or smaller ones.

The trade-off is higher interest rates and shorter repayment terms. These are often used for short-term cash flow needs or smaller investments.

Inventory financing is ideal if you need help purchasing inventory without tying up your cash. In this setup, the lender pays your supplier directly, and you repay them once you start selling the goods.

This type of financing can reduce upfront costs and ease cash flow pressure — especially helpful during busy seasons or when launching new products.

There are no upfront payments. You start repaying only after your new inventory starts selling, with a schedule that fits your sales cycle.

Kickfurther provides non-dilutive funding. You stay in full control — no giving up shares or decision-making power.

This isn’t a traditional loan. Since there’s no debt added to your balance sheet, it won’t limit your access to future capital or affect your valuation if you’re planning to raise funds or sell the business.

Need funding when your supplier invoice is due? Kickfurther can finance your entire order so you don’t have to delay production or sales.

By covering your largest expense — inventory — Kickfurther helps free up your capital for other priorities like product launches, marketing campaigns, or building your team.

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