Inventory businesses live 90 days in the future: buy now, sell later, profit eventually. A revenue purchase funds the buy so the season finds you stocked instead of sorry. This is boutique funding: a person reads your file, not a scoreboard.
Vendor closeouts, show specials, volume-break pricing — the deals that make a margin all want money up front. Understocked in season is a wound that never heals.
Net-30 vendor terms go to accounts with history. Newer businesses get COD and prepay — a tax on being young that compounds with every order.
Buy shallow to protect cash and you stock out on the winners; buy deep and you carry the losers. Inventory is a bet you must fund to place.
Inventory lending at banks requires audited financials and field exams — infrastructure built for chains, not for a store doing $500k a year. Small inventory businesses are structurally unbankable at exactly the size where the need is sharpest.
The bank cannot see the sell-through data, the repeat-purchase curves, or why this season's line moves. Revenue-based underwriting reads the outcome directly: what your deposits say.
We advance against your sales rhythm — card settlements, platform payouts, invoices — and remit weekly. Buy the season with the advance, sell through it, and the purchase settles out of the sales it funded.
Then the flywheel: settle, renew bigger for the next season at better pricing. Operators who run this cycle two or three turns compound faster than competitors buying shallow. Sharp terms, straight answers — that is the whole Cutting Cap model.
The closeout lot or show special with 40%+ margin baked in — the deal that expires Friday.
Full depth on your proven winners for Q4, patio season, or whatever your calendar's fat months are.
The adjacent product line your customers already ask for, stocked deep enough to actually test.
No lien, no field exam, no collateral schedule. A revenue purchase advances against future sales — you spend it on inventory because that is where the return is.
Yes — platform payouts count like card settlements. Marketplace reserves and payout lags are exactly the friction the purchase absorbs.
Remittance flexes with revenue — a slow stretch automatically costs less per week. Risk is part of sizing: we advance what your rhythm can carry, not the maximum imaginable.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
