Merchant Programs

Working Capital and Inventory Financing
Transactions of $5000 to $5,000,000

Programs for Merchants

Terrace Finance has solutions for all aspects of your business. We have your front-end covered with financing solutions for your customers. Our working capital and inventory financing programs designed to help you optimize the back end of your business through access to funds for inventory, expansion, and operations. Use the guide below to determine which features are most important to you, and we will work with you to match you with a lender and program or combination of programs that meet your needs.

Working capital chart

Variations of these programs may be available to suit your unique needs.
Speak with a team member for a personalized assessment.

SBA Disaster Loans (EIDL & PPP)

Terrace Finance is currently processing new applications for the Paycheck Protection Program (PPP) which reopened on January 19th, 2021

Supply Chain Funding Program

Credit lines from $100,000-$5,000,000
Flexible, easy to access funds to pay both overseas and domestic vendors in the right currency with less hassle.

SBA Working Capital/Inventory Program

Loans of $30,000-$350,000
Trusted low-cost capital for many operating costs associated with expansion including inventory and floorplan purchases.

Term Loan Program

Loans from $30,000-$200,000
Quick turnaround funding for unexpected expenses or other capital needs including inventory purchases and expansion needs.

Floor Plan Financing Program

Short term line of credit or loan for merchants to stock inventory. The debt is repaid as the inventory is sold. This is useful to businesses that must pay their suppliers in a shorter period of time than it takes them to sell the inventory to customers.


Bob Zinn: 888-464-6256 x401
or John Papadopoulos: 888-464-6256 x402