Finance your purchases thanks to your stock

Accelerate your growth
without debt or cash advance.

💰 Zero cash tied up

We purchase your stock and cover the VAT. A perfect solution for SMEs looking to protect their cash flow.

🚀 Accessible to growing businesses

No balance sheet analysis, no financial ratios: we finance young and fast-scaling companies.

📊 No impact on your debt capacity

A debt-free solution with no collateral or stock pledge, preserving your investment capacity.

🔄 Financing aligned with your buying and selling cycles

We purchase your stock upon arrival, and you recover it at the point of sale — no pressure, no fixed deadlines.

We support all types of products, in both B2C and B2B

No matter your industry, we finance your inventory with no debt.

Raw materials & components

New & used products

Equipment & vehicles

Consumer & B2B goods

High-tech & home appliances

Industrial & professional equipment

Check my eligibility

Optimized cash flow in 4 steps :

1

Contact us

Once we receive your request, we verify your eligibility and discuss your needs with you.

2

Immediate buyback

Submit your temporary sale request, we validate the operation and transfer the funds to you.

3

Inventory tracking

You keep the products physically and connect your inventory to our platform for real-time tracking.

4

Repayment upon sale

You gradually buy back your inventory as you sell, with transparent and flexible fees.

Wavo finances their stock with no debt

Like them, keep your cash flow to invest in what truly matters.

"With Wavo, we finance our solar panels without tying up our cash flow. This allows us to fully invest in our technology and growth."
Charles PassereauCo-founder & CEO, Eversun
Charles Passereau
"Thanks to Wavo, we can immediately buy back our customers' used products. The result: more volume, greater customer satisfaction, and increased sales of new products."
Anthony DejourManaging Partner, Sport'Alpes
Anthony Dejour
"Wavo allows us to scale our second-hand bike business without cash constraints. We can seize every opportunity without worrying about our available funds."
Tanguy LastennetCo-founder & CSO, Loewi
Tanguy Lastennet
"Financing IT asset buybacks at the end of a lease without cash flow constraints allows us to seize every opportunity and grow our second-hand business without pressure on resale."
Quentin de LambertCo-founder & CFO, Rzilient
Quentin de Lambert

Frequently Asked Questions

Wavo is for businesses that buy and store products before reselling them, whether they are B2B or B2C. We finance independent retailers, e-commerce businesses, and distributors. No financial statements are required; we base our decision on your products and business model.

We finance all types of inventory, whether new or used, and even certain raw materials. Our solution adapts to businesses in retail, industry, refurbishment, and more.

Yes, we can purchase inventory you already own. Eligibility depends on the nature and liquidity of the stock. Contact us to assess your situation.

We finance inventory up to €500,000.

Yes, we finance both small and medium-sized businesses. Our model is accessible from the very first stock, with no balance sheet or personal guarantee required.

Everything is designed to be fast. Once your inventory is declared and validated, you receive your financing immediately via bank transfer. In general, everything is completed within 24 hours.

The cost of your financing depends on the type of product and the resale time.
We assess the liquidity of each product, which determines your financing conditions.

The pricing is simple:

  • 0.05% daily fee applied to the financed amount.
  • A buyback fee of up to 5%, adjusted according to the products: the faster they resell, the lower this fee.

Yes, you have the flexibility to repay at any time. The sooner you repay, the less you pay in fees.

Our solution works like a consignment sale: your inventory remains with you, but Wavo owns it. You manage it as usual and buy it back progressively after each sale.

Yes, our model allows you to finance your stock without any pledge, lien or guarantee. The stock remains on your premises, but we retain ownership until it is sold.