Lower Manhattan skyline at dusk

Growth facilities for consumer brands.

Revolving facilities for consumer brands with $5M to $75M in annual revenue.

Since 2021
Financing consumer brands
400+
Facilities funded
$500K to $5M
Typical facility size
[TBC: stats basis footnote, text pending counsel review]

Scaled, omni-channel consumer brands with self-sustaining cash flow.

$5M to $75M
Annual revenue, and growing
Omni-channel
DTC, retail, wholesale, subscription
Growth-ready
Clear use of capital
U.S.
United States domiciled

Providing capital to consumer brands.

Apparel and accessories
Clothing, footwear, bags and outdoor gear
Food and beverage
Packaged food, snacks, drinks and supplements
Home and household
Kitchen, cleaning, smart home and everyday goods
Furniture and decor
Furniture, cabinetry, lighting and nursery
Health and wellness
Nutrition, personal care and wellbeing
Fitness, beauty and more
Fitness equipment, beauty and other consumer categories

Capital for the moments that grow your business.

Purchase orders

Place larger orders, secure better unit costs, avoid stock-outs.

Seasonal restock

Stock up ahead of Q4 and peak season, pay down as it sells through.

Wholesale expansion

Fund the inventory behind a new retailer, distributor or door count.

Marketing and growth

Scale the channels that already return, without giving up equity.

A revolving facility that grows with your brand.

01
Draw, remit, draw again

One committed limit you use as the business needs it, rather than a new application every season.

02
Remittance that moves with sales

You remit a share of what you collect, with no fixed payment schedule. A slow month means a smaller payment.

03
A limit that grows as you do

Sized to your trailing sales and re-tested as the business scales, so your capital keeps pace with demand.

04
Keep your equity and your options

Non-dilutive capital that can sit alongside a bank line or replace costlier advances.

Illustrative facility
At target ticket size
Total facility limit
$1,000,000
Initial draw
$250,000
Draw frequency
Monthly
Remittance
A share of daily receivables
Facility duration
1 to 3 years
Illustrative only and not a commitment. Terms depend on each brand's performance and channel mix.

From first conversation to funding, in about two weeks.

~2 weeks
Typical time to fund
Day 1
Introductory call

A conversation with our team about your brand, your channels and what you want to fund.

Days 2 to 3
Data access

Read-only connections to your sales platforms, bank and accounting.

Days 4 to 10
Due diligence

We review performance, channels and customers, and follow up with any questions.

Around day 12
Term sheet

Proposed limit, draw schedule and remittance structure, reviewed with you line by line.

Around day 14
Initial draw

Documents signed and your first draw funded, with our team on call from there.

Recent deals

Home and household

Plant-based odor eliminators. Facility to fund advertising, inventory replenishment, distribution and growth.

Health and wellness

Mouthwatering mints for dry mouth. Facility to fund advertising, inventory replenishment, distribution and growth.

Apparel and accessories

Shorts and pants with built-in liners. Facility to fund advertising, inventory replenishment, distribution and growth.

“

The team is a pleasure to work with. They know the importance of cash flow in determining a business's performance, and give us peace of mind to operate in a strategic, proactive way.

John McDonald
Founder, Semihandmade
115 Broadway, New York, home to our office
115 Broadway, New York

A New York private credit firm, built around consumer brands.

Our team spans credit, originations, portfolio management and operations. Every facility is sourced, underwritten and managed in house, with real-time data infrastructure behind each decision.

2021
Founded
115 Broadway, New York
Headquarters
Consumer brands
Areas of focus
National
Available throughout the U.S.
About the firm
Lower Manhattan skyline at dusk

Planning your next inventory cycle, wholesale expansion or advertising campaign?

Tell us about your brand. A member of our team will come back to you directly.

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