A fixed advance, one flat fee, six months to repay. No compounding interest, no equity, no personal guarantee. Built for brands who need stock and ad budget in place before the biggest fortnight of the year, not after it.
Q4 punishes brands that are cash-tight in October. The money has to land before the demand does.
Brands that meet all five are approved at a very high rate. Four is still worth applying, because underwriting looks at the whole picture.
Enter $25,000 as the amount requested. This programme is priced at that figure, and a different number puts you into standard pricing instead.
Buy what your forecast says you need rather than what your bank balance allows, and stop losing your best fortnight to a hero SKU going dark.
CPAs spike in November and the brands with budget take the volume. Budget to double down on proven creative when everyone else pulls back.
Ring-fence a budget to test in October, so you go into Black Friday knowing whether it works instead of guessing.
Not that you couldn't fund this yourself. That $1,800 is a cheap way to avoid draining the working capital your suppliers and payroll rely on.
Yes. It's a single fixed fee rather than interest, so it doesn't compound and it doesn't grow if you take the full six months. You repay $26,800 in total. No origination fee, no application fee, no early repayment penalty.
Debt, and non-dilutive. No shares, no board seat, no control given up. Repayments come out of your sales across six months. There's no personal guarantee on this product, though a lien is filed against business assets, which is standard for this type of finance.
Approval runs on your trading data rather than a personal credit score, and there's no minimum score requirement. The obligation sits with the business entity, not with you personally.
Apply for the $25,000 first, since that's where this pricing sits. Brands that fund once and repay cleanly can usually draw again at larger amounts on the same flat fee model.
Nothing, and it costs you nothing. You keep the analytics dashboard, which benchmarks you against anonymised brands at your size and flags where capital is tied up in slow stock. Most declines come down to trading history or margin, and both are usually fixable within a quarter or two.
We're an independent partner, not the lender. If you draw funds, the lender pays us a commission. You're never charged anything by us, and it makes no difference to the fee you pay or the decision you get. We'd rather say that plainly than have you wonder.
Fixed amount, fixed fee, and nothing owed if you decide against it.