Illustrative use case · DTC beauty
Fund repeat purchase
A beauty brand with repeat-purchase customers can separate the economics of new acquisition from the working capital needed for inventory and fulfillment.
Financing Scenarios
See the structure in context.
Illustrative financing scenarios for different business models. Explore the challenge, the proposed structure, and modeled outcomes. These examples are not historical customer results.
Beauty & personal careNon-Recourse
Illustrative financing scenario
DTC skincare brand
A profitable skincare brand was leaving growth on the table because every dollar of acquisition spend competed with working capital. Non-recourse cohort financing let them scale proven channels without raising equity.
2.4×
Increase in monthly acquisition spend
0%
Equity given up
19 mo
Projected collection window
Apparel & accessoriesNon-Recourse
Illustrative financing scenario
Outdoor apparel label
A seasonal apparel brand needed to fund pre-season acquisition without the daily-debit risk of an MCA. Non-recourse structure meant a soft quarter cost them less, not more.
$0
Daily debits after consolidation
1.30×
Hard cap on total cost
100%
Profit retained after cap
Food & beverageNon-Recourse
Illustrative financing scenario
Coffee subscription brand
A subscription coffee brand with predictable retention wanted capital quickly. Data-driven diligence turned a multi-week process into hours and funded a growth cohort in under two weeks.
< 10 days
Data connection to funding
3.2×
Underwritten GP/CAC
Weekly
Performance re-underwriting
Home & lifestyleCorporate / Guaranteed
Illustrative financing scenario
Scaled home goods brand
A larger, credit-worthy commerce company wanted the lowest-cost capital available. The corporate tier traded a parent guarantee for duration-priced capital in the mid-teens.
Mid-teens
Effective cost of capital
70%
Of S&M spend funded
1.04–1.17×
Duration-indexed multiple
Case studies are composite, illustrative engagements; brand names are anonymized and figures are examples, not audited results or a commitment to fund.
Illustrative use cases
Built around how brands grow
Illustrative use case · Apparel & accessories
Plan around seasonality
For a seasonal brand, a collection share tied to the financed cohort’s actual gross profit can flex with customer performance instead of a fixed daily debit.
Illustrative use case · Subscription commerce
Finance predictable retention
A subscription brand can use customer-level retention, acquisition cost, and margin data to help determine how much incremental acquisition is financeable.
Illustrative use case · Agencies & platforms
Connect capital and growth
An agency can introduce a brand with proven acquisition economics. Cohort handles underwriting and servicing under the agreed referral terms.
Illustrative use case · Home & lifestyle
Review existing obligations
A brand carrying several advances can request a review of its existing obligations alongside a proposed cohort-financing structure. Refinancing depends on underwriting and existing terms.