Maximizing assets through inventory financing

StoneX provides its clients with inventory finance options that secure seasonal cash flow, increase supplies of inventory and efficiently manage working capital.

Commodity finance programs

Our inventory finance programs operate across several commodities including grains, coffee, cocoa, cotton, lumber and metals.

Sales/repurchase finance program

For customers that need to manage their inventory holdings to build their business, we offer a commodity sale and repurchase program that provides incremental liquidity. This straightforward program is a sale and repurchase transaction of your inventory with StoneX.

The transaction specifies the commodity, quantity, price and tenor of the transaction at the time the sale confirmation is executed. We have the flexibility to structure the program based on your specific needs and can offer varying advance rates and cost structures to align with your business objectives.

Enhanced sales/repurchase finance program

For customers that need more than just working capital to build their business, StoneX offers an enhanced commodity sale and repurchase program that can not only provide incremental liquidity across most of the soft and agricultural commodities, but additionally provide origination, merchandising and margin management as needed.

This program allows StoneX to tailor a program to uniquely fit the needs of your business, drawing from our own extensive origination, merchandising, margin management and logistics experience.

Margin finance program

For customers who are looking for flexibility in their working capital and to diversify their sales and merchandising capacity, we offer financing options that remove the margin burden and provide businesses with the ability to pick the best basis over time.

This program offers clients access to dynamic pricing structures and a larger suite of products while streamlining the process and eliminating margin requirements.

Trade finance program

For importers, exporters, and brokers in the soft commodities, StoneX offers Trade Finance Programs tailored directly to your business needs. Our professionals have extensive experience in logistics, finance and operations for worldwide deliveries and storage.

StoneX can advance funds against collateral of coffee, cocoa and other soft commodities to provide the incremental financing to help our customers maximize their business.

Industry-specific financing programs

We offer industry-specific financing programs that include elements of inventory financing, margin management, merchandising and feedstock origination.

Ethanol feedstock finance program

StoneX provides working capital financing for ethanol plants through our feedstock financing program. In this program, StoneX finances feedstock and maintains the hedge account for the corn inputs needed by an ethanol plant.

Biodiesel feedstock finance program

StoneX provides procurement and working capital financing for biodiesel plants through our feedstock financing program. In this program, StoneX originates feedstock and sells it to the biodiesel plant on a credit basis.

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FAQs

How does inventory financing work?

As a form of asset-based financing, inventory financing involves the acquisition of a loan or line of credit by a business to purchase materials it needs to manufacture products they intend to sell at a later date.

What is the most common form of inventory financing?

There are two types of inventory financing—inventory loans and inventory lines of credit. In order to choose the best option, your business needs to determine its specific needs. Inventory lines of credit offer more flexibility since they provide you with a set amount of money that you can access as needed.

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StoneX Commodity Solutions, LLC (“SXCS”), a subsidiary of StoneX Group Inc., trades in a variety of physical commodities, and oﬀers customers services to help manage the risks associated with their physical product. Trading over-the-counter and exchange-traded derivatives is not suitable for all investors and involves substantial risk. This material does not constitute investment research and does not take into account the particular investment objectives, ﬁnancial situations, or needs of individual clients or recipients of this material. You are directed to seek independent investment and tax advice in connection with derivatives trading.