Fast Capital for Retail & Consumer Brands
Inventory, expansion, marketing, and growth capital — term sheets in 48 hours, funding in 4–5 business days.
Built for operators who move with the season.
We know where retail capital gets stuck
Consumer businesses run on timing. We underwrite the realities of inventory cycles and demand, not a banker's checklist.
Seasonal inventory builds
Holiday and peak-season buys land months before revenue. Missing a buying window costs a full season of sales.
Cash tied up in stock
Your balance sheet is strong but illiquid — capital sits on shelves and in containers instead of funding growth.
Tariff & landed-cost pressure
Duty changes, freight spikes, and supplier repricing hit margins fast and demand capital flexibility.
Rapid expansion opportunities
A new door, a retail partner PO, or a location that becomes available won't wait 90 days for a bank decision.
Marketing spend timing
Paid acquisition and retail launch campaigns need funding upfront, before the revenue they generate arrives.
Bank inflexibility
Traditional lenders discount inventory-heavy models and stall exactly when your calendar is least forgiving.
Why Retail & Consumer Businesses Choose Ironclad
Capital that keeps pace with demand
Deep underwriting expertise across brick-and-mortar, e-commerce, wholesale, and omnichannel consumer brands.
Speed that matches retail calendars
Term sheets in 48 hours, funding in 4–5 business days. Place the buy, launch the campaign, open the door on time.
We underwrite retail economics
Sell-through, inventory turns, contribution margin, CAC and repeat rate — not just a tax-return checklist.
Flexible structures
Inventory lines, working capital, marketing growth capital, expansion and acquisition facilities — sized to your cycle.
Certainty of close
When we issue a term sheet, we close. No surprises when a supplier deposit or lease deadline is on the line.
How It Works
From application to wire in days, not months
Quick application
Share revenue, inventory position, and what you need capital for — under 15 minutes, no tax-return marathon.
Term sheet in 48 hours
Our consumer credit team underwrites sell-through and margins, then returns a clear, transparent term sheet.
Diligence & docs
Inventory reports, sales channels, and vendor terms reviewed in parallel so your buying window stays open.
Funded in 4–5 days
Wire hits your account. Place the buy, fund the campaign, or open the location while competitors wait on a banker.
Real Results
Capital deployed for consumer operators
Inventory facility funded ahead of peak season, covering a supplier deposit and container costs for a national retail rollout.
Growth facility supporting inventory depth, two new flagship locations, and an expanded marketing program.
Working capital and buildout capital closed in 8 business days to secure a prime lease before a competing tenant.
Qualification Criteria
Straightforward, transparent fit
We tell you upfront whether your business qualifies — no months of back-and-forth before a decision.
- 2+ years in business
- EBITDA positive
- Funding range: $100K – $15M
- Retail, e-commerce, or consumer brand operator
- US-based operating company
- Demonstrable use of proceeds
Get your retail term sheet in 48 hours
Tell us about your brand, inventory needs, and growth plans. We'll underwrite quickly, structure intelligently, and close with certainty.