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Unit Stocking

Wholesale finance for motor, specialist asset dealers and manufacturers

What is Unit Stocking?

Unit Stocking, also known as ‘Wholesale Finance’ can help your businesses cash flow position by releasing equity in existing stock or by helping you to fund the purchase of new or additional stock. Unit Stocking is a revolving working capital facility that allows your dealership to free up cash tied up in that would be tied up in cars, trucks and van stock. Unit Stocking enables you as a dealer, to stock and fund new and used assets on your forecourt.

PTSB Asset Finance can provide you with an on-demand credit facility secured against individual units of stock, providing flexibility that reflects the seasonal nature of your business.

Our Unit Stocking product offers you:

  • Releases equity in qualifying stock on your forecourt
  • Same day payment guaranteed
  • Variable interest rate
  • Manage your cash flow
  • Cost effective way of funding stock
  • With an efficient online portal you have a full overview of the stock funded with capability to generate reports on a per asset basis
  • As the asset funding is our security, no debentures or charges over the business are required

Who can avail of Unit Stocking?

The Unit Stocking product is available for franchise and non franchise dealers as well as manufacturers and their dealer network. We provide funding for a range of asset types. Our customers benefit from a dedicated Relationship Manager who is a specialist in the industry, as well as support from our dedicated Unit Stocking operations team.

How to Apply for Unit Stocking

To apply for Unit Stocking or to find out more, please contact our team by email at or contact our dedicated Unit Stocking managers. Alternatively, you can call us on 0818 210 263. Lines open Monday to Friday 9am to 5pm (excluding public holidays).

Important information

Available to over-18s only. Republic of Ireland only. Security and/or guarantees and indemnities may be required. Fees and charges apply. Lending criteria, terms and conditions apply. Subject to Credit Approval. Lending is for business purposes only.

Warning: The cost of your repayments may increase

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

Pre application Information

For more information on how we process your application including appeals and application requirements.

Alternative Asset Finance products

Click below to find out about our other products.

Former Lombard Customer FAQs

We have compiled some Frequently Asked Questions here to support you during the transition to PTSB Asset Finance.

Support in financial difficulty guide

Information guide to banking supports available to SMEs, for the future and through Covid recovery.

Relationship Managers

Contact a Relationship Manager in your area.

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