Transaction Tax Free Loans
Stock-Up Finance: Buy Your Stock Before Gibraltar’s Transaction Tax Starts
A short-term business loan designed to fund inventory purchases before transaction tax is implemented — so you can protect margins, keep shelves full, and spread the cost over manageable repayments.
If you run a business in Gibraltar, you’ll know that stock costs and margins are already tight. With the upcoming introduction of transaction tax, many businesses are looking at one simple question:
“Should we stock up now before the tax increases the cost of buying goods?”
To help businesses prepare, we’re launching Stock-Up Finance — a short-term business loan designed specifically to fund inventory purchases before the transaction tax is implemented.
What is Stock-Up Finance?
Stock-Up Finance is a business loan for stock purchases. It’s aimed at Gibraltar businesses that want to place inventory orders before the transaction tax begins, where doing so makes commercial sense for their pricing and cashflow.
With Stock-Up Finance you can:
- Buy stock early
- Avoid a sudden cashflow hit
- Repay in fixed monthly instalments
- Keep normal trading running smoothly
Why businesses are doing this now
Most local businesses rely on regular stock buying — and even a small increase in purchasing costs can affect pricing and profitability. Stock-Up Finance is built for businesses that want to:
- Protect margins by purchasing key lines in advance
- Maintain price stability for customers during the changeover
- Avoid disruptions caused by last-minute ordering or supply constraints
- Improve planning by securing popular stock early
- Keep cashflow balanced by spreading a big stock purchase over time
How it works (simple step-by-step)
- You decide what stock you want to purchase
This might be core best-sellers, seasonal stock, or larger bulk orders. - You provide supplier evidence
We’ll typically ask for a supplier quote, pro-forma invoice, or an order summary to confirm the purpose and amount. - We assess affordability and trading performance
We review recent business bank statements and existing commitments to ensure repayments are realistic. - Approval and terms are agreed
If approved, we provide clear loan terms: amount, term, fixed repayments, and any conditions. - Funds are released for the stock purchase
Funds may be paid into your business account or directly to the supplier (depending on the structure). - You repay monthly
Fixed repayments are set to align with your cashflow and stock turnover cycle.
Who this loan is for
Stock-Up Finance is designed for Gibraltar businesses that purchase inventory and want to buy ahead of the transaction tax, including:
- Retail shops (electronics, clothing, homeware, beauty, etc.)
- Wholesalers and importers
- Seasonal businesses (tourism, summer items, Christmas lines)
- Businesses scaling up and needing larger stock levels
If you’re purchasing stock regularly and can show supplier documents and trading history, this product is likely a good fit.
What we may ask for
To keep decisions fast and the loan clearly linked to stock purchases, we may request:
- Recent business bank statements
- Supplier quote / pro-forma invoice / order confirmation
- Basic company information (registration details, directors)
- Details of any existing loans/finance commitments
All applications are subject to affordability and standard checks.
Why this matters for cashflow
Buying stock early can be a smart move — but only if your business can still operate normally. Stock-Up Finance helps prevent the common problem businesses face when placing large inventory orders:
Big stock order = cash tied up + bills still due + pressure on working capital.
Instead, you can purchase the stock and spread the cost in a way that matches your trading cycle.
Important note on tax
Want to stock up before transaction tax begins?
If you’re planning a stock purchase and want to spread the cost over fixed repayments, we can assess your application quickly. Enquire today and we’ll let you know what amount and repayment options are available for your business.
