Term debt repays on a calendar.
We repay on your cycle.
Term loans and venture debt demand a fixed payment every month — in your slow season and your peak alike — for stock that turns over in a matter of months. We fund 100% of the invoice and you repay as a percentage of daily net sales, on the cycle.
Apply for a facility
— THE PROBLEM WITH TERM DEBT
Term debt repays on a calendar. Inventory sells on a cycle.
A fixed monthly payment due in your slow season and your peak means you're servicing a multi-year loan for stock that turned over months ago.
Fixed amortization
The payment is due either way. Term loans demand the same payment every month — in your slow season and your peak alike. Inventory doesn't sell on a fixed schedule, so the debt fights the cycle instead of matching it.
Years, not cycles
You outlive the inventory you bought. A multi-year loan to fund stock that turns over in months means you're still making payments on product you sold long ago — capital that should be funding the next cycle.
Covenants + warrants
The strings add up. Venture debt layers on warrants (dilution) and covenants; bank term loans add personal guarantees and rigid reporting. Heavy machinery for a short, self-liquidating need.
— HOW IT WORKS
Repayment that matches your inventory cycle — not a calendar.
We fund the full invoice on day zero. You don't pay anything until the product lands. From there, we take a small percentage of daily net sales until we're repaid. If sales come in slower than projected, the IRR comes out of our return, not yours.
— TERM DEBT vs. INVENTORY FINANCE
| — Compare | THEMLong-Term Debt | ELEPHANT HERD CAPITALCycle-Matched Inventory Finance |
|---|---|---|
| How repayment is sized | Fixed monthly amortization | A small % of daily net sales |
| Repayment flexes with your sales | No | Yes |
| Matches your inventory sell-through cycle | No — multi-year term outlives the stock | Yes — built around sell-through |
| Repaid only as product actually sells | No | Yes |
| No covenants, warrants, or personal guarantees | No | Yes |
| Slow sales month hurts... | You — the payment is due anyway | Us — the IRR comes out of our return |
| Commitment length | Years | 6-month cycle commitments |
| Best used for | Long-term assets like equipment or facilities | Working capital and inventory |
— GET STARTED
Let's see if our funding lines up with your inventory cycle
Send us your last 12 months of revenue, your buying plan, and a 3 statement model. We'll come back with a facility size and structure within a week.
Start a conversation
For Investors