An MCA fights your cycle.
Inventory finance matches it.
Merchant cash advances debit your revenue before the inventory you bought is even sellable. We fund 100% of the invoice and you repay only as the product actually sells — so capital fuels growth instead of draining it.
Apply for a facility
— THE PROBLEM WITH MCAs
An MCA makes you borrow from tomorrow to pay for yesterday.
The headline rate isn't the real cost. The real cost is a repayment schedule that fights your inventory cycle instead of matching it.
Day 1
Repayment starts immediately. MCAs debit a fixed share of revenue from the moment you draw — long before the inventory you bought is sellable.
~120 days
Before that inventory sells through. So you repay this draw with revenue from old stock, then borrow again to fund the next PO. The hole gets deeper, not shallower.
Stacking
Debt on debt on debt. Aggressive daily or weekly debits force a refinancing spiral. Cash that should fuel acquisition goes to servicing yesterday's draw.
— 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.
— MCA vs. INVENTORY FINANCE
| — Compare | THEMMerchant Cash Advance | ELEPHANT HERD CAPITALCycle-Matched Inventory Finance |
|---|---|---|
| When repayment starts | Immediately — daily or weekly debits | Only after inventory lands in your warehouse |
| How repayment is sized | Fixed amount, regardless of sales | A small % of daily net sales, on the cycle |
| Funds the full inventory invoice | No | Yes |
| Matches your inventory sell-through cycle | No | Yes |
| Slow sales month hurts... | You — the debit is due anyway | Us — the IRR comes out of our return |
| Forward funding commitment | Draw-by-draw, no visibility | 6-month commitments you can plan around |
| Avoids debt-stacking / refinancing spiral | No | Yes |
| No personal guarantees required | No | Yes |
— 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.
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