Black Olive Closes $1.5MM Inventory Loan to Amazon Seller

Black Olive Capital LogoBlack Olive Capital ( focuses on providing inventory loans to SME’s in the range of $500,000 to $10 million. Through its smart lending platform, Black Olive has partnered with factoring companies and receivable lenders serving companies that sell through e-commerce platforms such as Amazon, Shopify, Etsy, eBay, Walmart, among others.

Recently, Black Olive provided an inventory revolving line of credit in the amount of $1.5MM to a business selling through an e-commerce platform.

The Borrower: The Borrower manufactures and sells products in the HVAC industry. The Borrower generates most of its revenues by selling on e-commerce platform, Amazon.

The Financing Situation: The Borrower was not aware it could borrow against its inventory; as such, it had a loan from Amazon, and an MCA in place. The balance outstanding on both loans was $800K, the monthly debt service was $120K, and the total inventory on hand at cost was $2.3MM. The Borrower needed three things, 1) a lending partner it can grow with, 2) capital to grow, and 3) to reduce its debt service.

The Black Olive Solution: Black Olive was able to structure a line of credit collateralized by inventory in the amount of $1.5 million (65% of cost). By using Black Olive’s services, the Borrower was able to payoff Amazon and the MCA loan, and Black Olive provided the Borrower over $300,000 in additional working capital (taking the capital provided to 78% of inventory cost) while reducing monthly debt service from $120K to $17K.

Takeaway: The transaction highlights Black Olive’s ability to use creativity, flexibility and speed to close.

Contacts: Please contact Carlos D. Gomez ( or Kristen Palmer ( to inquire how Black Olive could partner with you to help your client or prospective client free up capital from inventory.