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Brand finance, capital, and growth.
Ben Tregoe on brand finance: capital strategy, inventory, margins, cash flow, and building consumer brands that generate cash.
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15 posts on Credit & Loans
July 31, 2026 · Credit & Loans, Fundraising
An Opinionated Compendium of the Best Guides and Directories
Resources we have created or sourced to help founders better understand and navigate brand finance and capital challenges.
July 6, 2026 · Credit & Loans
An Opinionated Guide to Surviving a Cash Crisis
If your brand is facing a severe cash crunch, your enemy is time. In a restructuring or turnaround scenario, speed is your only real asset. You cannot afford to waste days drafting complex...
June 21, 2026 · Capital Efficiency, Credit & Loans
Field Guide for How to Think About Capital for Brand Growth
A field guide for scaling consumer brands on how to think about inventory financing, and every other capital option, based on the growth it unlocks, not its sticker price.
May 13, 2026 · Margins, Capital Efficiency
Inventory IRR
I would expect blank stares if I asked a brand finance person what their Inventory IRR is, but it’s my favorite pet metric because it distills into a single number the potential of the brand’s...
May 1, 2026 · Data, Margins
Latest Elephant Herd Index
Latest Elephant Herd Index
March 9, 2026 · Credit & Loans
IRR? APR? How to price your capital
Question 1
November 26, 2024 · Credit & Loans
How to: Dwight
A common distinction between credit products is around their type and terms. We talk about Merchant Cash Advances, Factoring and multiple flavors of short term lending products from fintechs. But...
November 6, 2024 · Credit & Loans
How to: Parker
Parker has been super thoughtful in how they built their credit products. And I like that they have not been afraid to bring to market several offerings. I think this gives them more data and...
October 29, 2024 · Credit & Loans
How to: Rosenthal
You must be doing something right when you have financed brands for 86 years.
October 17, 2024 · Credit & Loans
How to: Wayflyer
In 5 short years Wayflyer has become the 800 pound Irish gorilla of ecomm working capital. Based in Dublin, Wayflyer quickly expanded internationally and operates in the US, Canada, UK, several...
October 14, 2024 · Credit & Loans
How to: Porter Capital
Porter focuses on AR or Invoice factoring and are a good fit for brands whose retail accounts include mass retailers such as Target.
October 11, 2024 · Credit & Loans
How to: Factoring
If you are DTC focused, your Cash Conversion Cycle is probably some version of:
September 26, 2024 · Credit & Loans, Capital Efficiency
How to: MCA’s
You need money and you need it fast. But you are worried about making a mistake. This post will help you make a better decision and sleep at night.
April 2, 2024 · Data, Margins
How close to insolvency are you? The Altman Z-Score
A quick scan of this list and the negative scores might give you a clue as to what the table means. Not good.
January 11, 2024 · Credit & Loans
Quick Guide to Debt Optimization
The good news is there are more credit options than ever before. Credit exists for every stage from early revenue through bankruptcy. And thanks to banking regulations, 2023’s regional banking...
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