Non-dilutive capital from $50,000 to $2,000,000 to buy stock, fund SKU expansion, and pre-build inventory for peak season. Sized to your purchase orders, repaid as a fixed percent of revenue. No equity, no personal guarantee, no daily POS deductions.
Typical inventory facility size
Funding offer turnaround
Equity given up
From core SKU restocks to multi-store rollouts, Founderpath funds the full inventory cycle.
Core SKU restock
$25K–$200K
Replenish best-sellers and high-velocity products in bulk to capture wholesale break points
New SKU launches
$15K–$100K
Introduce new product lines, private-label, or seasonal collections without draining cash
Bulk wholesale buys
$50K–$500K
Lock in case-pack or container pricing from suppliers when payment terms tighten
Multi-store inventory
$100K–$1M
Stock 2 to 5 stores with shared SKU mix and cross-location replenishment
Raw materials & WIP
$50K–$1M
Lumber, building materials, ingredients, or work-in-progress for builders and food operators
Seasonal pre-buy
$25K–$300K
Pre-build inventory for Q4, holiday, or summer peak season at off-peak supplier pricing
Send us your supplier quotes and SKU mix. Founderpath underwrites at the size that matches the actual buy. Most inventory facilities land between $50,000 and $2,000,000.
Payback is a fixed percent of weekly revenue at the locations the inventory ships to. As stock turns into cash, capital pays itself down — protecting margin during slow weeks.
A simple multiple (typically 1.1x to 1.3x) is the total cost. No compounding interest, no surprise rate hikes, no prepayment penalties when inventory sells faster than planned.
You keep 100% ownership. Founderpath does not take board seats, warrants, blanket UCC liens on personal assets, or personal guarantees on inventory facilities.
Four operators who came to Founderpath for inventory capital. Three deals closed, one passed — all proof of the use case.
Independent grocery · Austin, TX · two stores · combined $5M annual revenue
Closed $200,000 revenue financing for inventory across 4,500 SKUs
Use of funds: Working capital tied to inventory turn at two existing stores
$200,000 capital
Repaid as % of weekly revenue
Fixed multiple cap
Custom home builder · land + materials inventory model
Closed $1,800,000 — the largest deal in The Deal series
Use of funds: Land acquisition plus materials inventory for spec-home pipeline
$1,800,000 capital
7-figure inventory facility
Repaid as homes close
Sustainable general store · $40K monthly per store
Closed $150,000 term loan to fund inventory for stores 2 and 3
Use of funds: Initial $40K opening inventory plus restock capital across 3 locations
$150,000 term loan
12% annual interest
5-year repayment
Three Austin pet stores · proprietary product mix
No offer made — but a textbook multi-store inventory operator
Use of funds: Cross-store inventory financing across three locations
Multi-store SKU consolidation
Proprietary brand depth
Operator we will revisit
The four ways operators fund inventory, and how Founderpath stacks up against each.
Factor | Founderpath | Bank / SBA loan | Toast Capital / Square Loans | Equity raise |
|---|---|---|---|---|
Time to fund | 24–48 hours | 60–90 days | 1–7 days | 3–9 months |
Total cost | 1.1x–1.3x cap | 10–14% APR plus closing costs | 14% daily take rate (40% effective APR) | 10–30% of company |
Repayment | % of weekly revenue | Fixed monthly | Daily POS deduction | Equity ownership forever |
Personal guarantee | None | Required | Sometimes | N/A |
Equity given up | 0% | 0% | 0% | 10–30% |
Eligibility bar | $250K+ revenue, 12+ months operating | 2 years tax returns, strong credit, collateral | Active POS account, processing history | Pitch deck, growth story, team |
See what non-dilutive capital could look like for your restaurant, bar, or retail store. No sign-up required.
Your Numbers
Monthly Revenue
$80k
$10k
$3M
Capital Needed
$150k
$25k
$5M
Payback Period
24 mo
6 mo
48 mo
Estimated Terms
Total Repayment
$168,000
1.12x payback multiple
Monthly Payment
$7,000
8.8% of revenue
Total Cost of Capital
$18,000
12% total cost
Equity Equivalent
$750,000
At 5x revenue multiple
*This calculator provides estimates only. Actual terms depend on your business profile, financials, and underwriting review. Founderpath does not guarantee any specific rate or amount.
The most common questions from brick-and-mortar operators funding inventory.
Retail inventory financing is non-dilutive capital used to buy stock — core SKUs, new product lines, bulk wholesale orders, or seasonal pre-builds. With Founderpath, capital is sized to your purchase orders and repaid as a fixed percent of weekly revenue, so payback scales with sell-through.
Founderpath funds inventory facilities from $50,000 to $2,000,000. A single-store specialty retailer typically lands at $50K to $200K, a multi-store grocery or pet store at $200K to $750K, and a builder funding land plus materials inventory can land at seven figures (Atlas Custom Homes closed at $1.8M).
The capital structure is the same — a single facility sized to purchase volume, repaid as a percent of revenue. The use of funds differs: restaurants buy ingredients, paper goods, and beverage inventory in faster cycles (weekly to monthly), while retail buys SKUs in longer cycles (quarterly or seasonal). Both are funded against POS revenue.
Yes. Multi-store operators routinely use a single facility to fund inventory across 2 to 5 locations. Tiny Grocer used $200K across 4,500 SKUs at two Austin stores; Parker and Scott used $150K to fund initial and replenishment inventory across three locations.
Funding offers come within 24 to 48 hours of connecting your data (POS, bank, accounting). Full closing typically happens within four weeks — fast enough to lock in case-pack pricing or hit a supplier prepayment deadline. Bank lines of credit by comparison run 60 to 90 days.
No. Founderpath does not take possession of inventory and does not require a blanket UCC lien on stock or personal assets. The facility is underwritten against revenue, not against the goods on the shelf.
Yes. Pre-building inventory for Q4, holiday, or summer peak season is one of the most common uses of inventory financing. Founderpath funds the buy in summer or early fall, and repayment scales with the higher revenue once peak hits.
Repayment is a fixed percentage (typically 5% to 12%) of weekly revenue at the locations the inventory ships to. Total payback is capped at a fixed multiple, usually 1.1x to 1.3x of the principal. There are no fixed monthly payments and no prepayment penalties when stock turns faster than planned.
Toast Capital and Square Loans take a daily percent of POS sales (typically 14% effective rate, around 40% APR). Founderpath repays as a percent of weekly revenue at a fixed cap of 1.1x to 1.3x — usually less than half the effective cost of a Toast or Square loan, and you keep cash flow on slow days.
Yes. Atlas Custom Homes closed a $1.8M facility for land and materials inventory in their custom-home pipeline — the largest deal in the show. Builders, general contractors, and specialty trades with $1M+ in revenue and a clear project pipeline qualify.
$250,000 in annualized revenue and at least 12 months of operating history. Most funded inventory operators sit between $500,000 and $10,000,000 in revenue. Strong gross margins and recurring SKU velocity matter more than years in business.
Yes. A single facility can fund replenishment buys on existing best-sellers, new SKU launches, private-label introductions, and seasonal collections. The operator decides allocation across line items — Founderpath does not restrict use of funds within the inventory category.
We've deployed $271M to founders. Now we fund brick and mortar.
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