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Fragrance Industry Inventory Financing

Lower costs & higher funding limits for your fragrance business

Kickfurther funds up to 100% of your inventory costs on flexible payment terms where you don’t pay until you sell. We fund your entire order(s) each time you need more inventory, so you can put your capital to work growing your fragrance business without adding debt, giving up equity or locking up cash in inventory orders.

  • Often 30% lower cost than alternate lenders
  • Quickly fund $5,000,000+ in inventory for your fragrance business
  • Create your payment schedule (1-10 months)
  • Sell new inventory before paying for it


Deals Funded


In Inventory Funding


Funding Success

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Why choose Kickfurther for Fragrance Business Financing?

Inventory Funding

Don’t pay until
you sell.

Your payment obligation only begins once your sales are made. This alleviates the cash-flow pinch that lenders cause without customized repayment schedules. Free up capital to invest in scaling your business without impeding your ability to maintain inventory
Market Pricing

30% lower cost

Know your rates. When you compare ours, you’ll often see that you’re saving. We cost less than factoring, PO financing, and many lenders. We also have higher limits than competitors.

Pay Suppliers Directly

Fund up to $5 million
in an hour.

Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), so you’ll never miss another growth opportunity.

Fund Inventory

It’s easy, it works, &
it grows with you.

Companies access higher funding limits and often get lower rates as they return to Kickfurther, creating a scalable solution that grows alongside your company.

We fund inventory for direct-to-

consumer & major store brands


“Tough Times Call For Creative Funding — Check Out
Kickfurther’s Clever Model”


How does Fragrance Business Financing Work?

Connect with consumers across the United States to get your
inventory funded via our marketplace

Create your online account

Create a business account, upload your business information, and launch your deal

Create Your Account
Get Funded

Get funded within minutes to hours

Once approved, our community funds most deals within a day, often within minutes to hours, so you’ll never miss another growth opportunity.

Control your payment schedule

We pay your manufacturer to produce inventory. Make the introduction and you’re off and running! Outline your expected sales periods for customized payment terms. At the end of each sales period, submit sales reports and pay consignment profit to backers for each item sold.

Payment Schedule
Complete & Repeat

Complete and repeat!

Complete your payment schedule and you’re done! Often once the community knows you, you’re likely to get lower rates on your next raise.

Where you’ve seen us

Financing Options for Fragrance Businesses

Fragrance Business Financing

Scaling a fragrance business can be challenging. And raising funds to aid in that growth can be one of the most taxing aspects. Without proper funding, you can struggle to invest in growth strategies like expanding your product line, increasing your marketing efforts, and hiring additional talented individuals.

Identifying financial resources to help fuel your expansion can ensure you get and stay on a growth trajectory.

What is fragrance business financing?

Fragrance business financing is a type of funding that is used to cover fragrance business expenses. Some loans can cover any expense while others must cover specific expenses. Repayment terms, interest rates, and fees can vary, so you’ll want to compare options. If you only need funding for inventory, you should look into inventory funding rather than a business loan or line of credit.

How does fragrance business financing work?

Fragrance business financing works differently depending on the type of loan you are getting. There’s also the chance that you are not getting a traditional loan, but rather funding from backers or buyers. In general, a term business loan will provide you with a lump sum of cash that can be repaid in monthly installments. Inventory financing will work a bit differently. In most cases, the lender or backer will pay the supplier or manufacturer for the inventory and a pre-arranged repayment schedule will be in place. The common denominator of the various types of financing is that you are borrowing money for business use that will need to be repaid with some kind of interest. Fees may apply too.

Can fragrance businesses get funding to expand their business?

Most types of fragrance business financing can be used for any business expense and that includes expansions. If you are looking to expand your business, you may need to hire additional staff, buy more equipment, pay for remodeling, or rent or buy a new location. A loan or funding can be used to cover these costs.

Types of fragrance business financing

There are many types of fragrance business financing options available. Let’s take a look at a few.

Bank Loans: Bank loans have their share of advantages and disadvantages. On the bright side, they can offer low interest rates and long-term loans, giving you plenty of time to pay them off.

On the downside, they are difficult to qualify for as lenders will want to see a high credit score and solid business history. They can also take a while to approve.

Banks primarily offer two types of loans, term loans and lines of credit. A term loan is a lump sum of money that can be paid off over time.

A line of credit is an amount of money made available to the company. The company can borrow any amount up to the limit at any time. Interest is charged when the money is borrowed, and the amount can be paid off right away or over time.

Term loans and lines of credit are also available through other types of lenders. Terms and interest rates will vary.

SBA loan: An SBA loan is similar to a bank loan in terms of interest, approval times and requirements. However, they are more forgiving of businesses that default on their loans. The SBA is an independent agency of the federal government. 

Inventory financing:

Inventory financing leverages the resources of a financing partner to pay for inventory production. Funding can often be customized to address your business’s exact manufacturing, shipping, and sales timelines. Some providers require no payment on goods until the inventory sells. This works well with natural cash flow cycles.

The products produced typically act as the collateral for the financing, meaning that if the business reports an inability to repay the funding, the inventory can be sold to cover the debt. 

Inventory financing is especially valuable to any business experiencing a significant delay between paying for inventory and receiving payment from future sales. It is also helpful for businesses that want to receive volume-based discounts by placing larger orders to support all of their sales channels. This works best when done on a quarterly or other regular basis and can help to prevent the stock-out issues that stifle growth.

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Common costs associated with a perfume/fragrance based business

A fragrance business will incur several costs that may be covered by fragrance business financing. These include the following:

Real Estate: A fragrance business may sell products directly to a customer or they may manufacture them and sell them to businesses. Either way, they will likely need a store, factory, or home base to work out of.

Inventory: If the company is a retail or wholesale operation, they may require funding for products to sell to customers.

Equipment: A fragrance manufacturer may need machinery to make their products while a retail seller may need equipment like POS systems, display racks and more.

Marketing: A marketing plan will be necessary in getting the word out about your goods and services. You may need funding for marketing materials, software, and a marketing staff.

How inventory financing can help fragrance businesses

Inventory financing is a good option for fragrance businesses because it gives them the funding they need to generate income by selling products. It can also be useful if the company wants to expand its product line. Inventory can tie up a lot of cash which can disrupt cash flow. Inventory funding or financing can help improve cash flow. 

Tips to grow and succeed in the fragrance/perfume business

Once you get your fragrance business started, there are a few things you can do to be successful. These include:

Keep track of finances: Businesses have a lot of moving parts. It’s essential to track finances and know where money is going. 

Offer innovative products: Offering your customers innovative products will help you stand out from the competition.

Create a strong business plan: Leaders should create a strong business plan based on how much income they want to be making, product development, expansion and more.

What are the requirements to obtain inventory financing for my fragrance business?

Most lenders will want to see a good credit score and a strong business history.

A credit score of over 700 will get you approved for most loans. If your score is lower than that, your business history may give you the leg up you need to get approved. But if your score is in the low 600’s or below 600, you may be limited to cash advances, collateral loans, and alternative loans.

Businesses that have been in business for 1-2 years and generate an income ranging between $50,000 and $250,000 are likely to get approved.

Even if you qualify for traditional inventory or business financing, it may be too expensive to justify. For this reason and more, business owners often turn to inventory funding. To qualify for inventory funding through Kickfurther you need to sell physical products and have sales of $150,000 over the last 12 months. Kickfurther is up to 30% cheaper than other options. 

How Kickfurther can help

Kickfurther funds up to 100% of your inventory costs on flexible payment terms that you customize and control. With Kickfurther, you can fund your entire order(s) each time you need more inventory and put your existing capital to work growing your business without adding debt or giving up equity.

Why Kickfurther?

No immediate repayments: You don’t pay back until your new inventory order begins selling. You set your repayment schedule based on what works best for your cash flow.

Non-dilutive: Kickfurther doesn’t take equity in exchange for funding.

Not a debt: Kickfurther is not a loan, so it does not put debt on your books. Debt financing options can sometimes further constrain your working capital and access to capital, or even lower your business’s valuation if you are looking at venture capital or a sale.

Quick access: You need capital when your supplier payments are due. Kickfurther can fund your entire order(s) each time you need more inventory.

Kickfurther puts you in control of your business while delivering the costliest asset for most CPG brands. And by funding your largest expense (inventory), you can free up existing capital to grow your business wherever you need it – product development, advertising, adding headcount, etc.

At Kickfurther, you can apply for fragrance inventory funding in 4 easy steps:

#1. Create your online account

Input business information and upload documentation to get started.

#2. Get funded within minutes to hours

Once approved, our community can fund you within minutes to hours.

#3. Control your payment schedule

Kickfurther pays your manufacturer for inventory. 

#4. Complete and repeat

Once you’ve reached your goal, you can repeat the funding process.

Create an online account today and get affordable inventory funding!


How does Fragrance Business financing with Kickfurther work?

Brands can access funding for their fragrance brand from marketplace participants. The marketplace allows brands to access private funding at costs that can improve with each use. Your funding for your purchase order goes directly to your manufacturer for production of goods and you make no payments until you receive and begin selling new inventory.

What are the minimum requirements to qualify for Fragrance Business financing?

Kickfurther works with fragrance brands once they’ve reached at least $150,000 or more in trailing 12 months revenue. You do not need to be in business for 12 months, or have revenue in 12 consecutive months, but we review a snapshot of revenue across a period up to 12 months.

As we process your application, we review your account statements to calculate your trailing 12 months of revenue. Kickfurther will consider your revenue to be your net sales, which we define as your business’s gross sales minus its returns, fees, allowances, and discounts.

How can I create a Kickfurther co-op for my Fragrance brand?

  • Launching a Co-Op for your skin care brand involves 3 key steps:
    • Create a basic profile including information about your business and product line. Once you’ve done this you can go live with an “upcoming Co-Op” profile that users can choose to follow to hear when your Co-Op launches.
    • Determine your Co-Op structure using the Kickfurther calculator to determine costs, earnings, and timeline.
    • Verify your Credibility Metrics with the Kickfurther team and finalize your Co-Op profile.

How fast will I get funded?

Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), so you’ll never miss another growth opportunity