You pay for growth before
growth pays you back.
The P&L looks healthy, but cash is tighter. You’re committing to the next stock order while still waiting for the last one to pay you back.
Consumer brands · $10m to $75m revenue
You know where to take your business next. We engineer your cash flow and deliver the capital to get you there.
Your business has its own cash cycle and ambitions. We shape funding around them: release cash where it’s held back, secure the right partners on the best terms, ready before growth needs it.
Get startedWe understand what it takes to grow a consumer brand.
You pay for growth before
The easiest funding can
be the hardest to live with.
It solved the immediate cash gap. Now repayments leave less for stock, and the terms make it harder to move to a better deal.
Funding your next phase needn’t
mean diluting your equity.
You’re ready to raise again. But before giving up more ownership, you want to know how much of the plan could be funded another way.
Capital providers don’t always
see the business you see.
Customers keep coming back and products keep selling. Yet every funding conversation starts with explaining why it’s a good business.
Whatever you're planning next, cash flow and capital shouldn't be the hard part.
Expanding into new markets.
Fund stock, distribution and the launch before overseas sales start paying back.
Scaling your brand into retail.
Supply the first order and keep replenishing stock as your retail distribution grows.
Keeping up with growing demand.
Increase production and carry the stock you need to meet growing demand.
Growing through acquisition.
Buy a brand, distributor or supplier to expand what your business does.
Your ambition sets the destination. We reverse‑engineer the cash and capital to get you there.
Analyse
Map how cash moves through your business.
Growth drains cash when supplier deposits and retailer payment terms don't line up. We look past headline revenue into margins, stock turn and payment terms to see exactly where cash is held back, and whether you need new capital at all.
Design
Design the cash cycle and capital stack together.
We model what your growth needs month by month and design how cash from the business, debt and equity work together. Equity is raised only when it builds the value of the business, never to fund everyday working capital.
Deliver
Secure the facilities on your terms.
Lenders fund verifiable numbers, not pitch decks. We build your credit pack, bring in vetted capital partners, and negotiate the amount, cost and terms around your cash cycle to get the facilities closed.
The right sources for the right uses.
Facilities from £1m to £10m+, matched to the phase you are in and what the cash is for.
- Ad spend, freight and supplier bills paid weeks before the revenue lands.Charge cards with 30 to 60 day terms£50k to £2m
- Supplier deposits and production runs fall due months before customers pay.Supplier and vendor finance£250k to £5m
- Growth ties cash up in stock and receivables faster than it comes back.Asset-based lending£2m to £15m
- A major retail order or an overseas production run to fund up front.Trade and wholesale finance£1m to £8m
- Revenue-based advances and daily sweeps are eating the monthly cash.Refinancing into senior debt£1m to £5m
- A step change: an acquisition, a new market or new capacity.Growth equity and term debt, from credit funds, family offices and banks£1.5m to £10m+
Built inside some of the world's fastest-growing consumer brands.
finetta was founded on a simple reality: the funding consumer brands can reach easily is rarely the funding that takes them where they want to go. The right capital partners exist, and they back businesses they can verify and that fit how they lend. Even great consumer brands get rejected when the case is put to them the wrong way.
We combine firsthand experience scaling physical consumer brands with deep institutional credit and capital expertise. We translate your operational reality into the verifiable numbers capital partners back, securing facilities that match how you trade.
The brands behind our operating experience
Frequently asked questions
Short answers to the questions we get asked most, from who we work with to how we are paid and how long it takes.
Consumer brands with physical products in the UK and US, typically £5m to £45m ($10m to $75m) in revenue, selling through retail, wholesale and online. If stock, supplier terms and retailer payments shape your cash, you are the business we built this for.
Our aim is to keep them out of the structure. Facilities are built around the assets of the business, stock, receivables and contracts, and we work with lenders who assess on those. Where a guarantee is unavoidable we say so early and keep it limited.
A fee agreed up front for the work, and a completion fee when the facility is secured. The completion fee is paid by the lender, not by you, and it is the same whichever lender we place you with, so our priority is the facility that fits.
Whichever the business needs. Where debt does the job we put it first, because it funds growth without giving away ownership. Where equity is the right tool, for a step change the cash flow cannot carry, we say so and structure it alongside.
No. Often the right answer is a second facility alongside what you have, or a refinance when the current one is holding you back. We look at what is in place before we suggest changing anything.
Management accounts, a sales and stock view by channel, and your current facilities. From that we can tell you within a couple of weeks what is realistic and what it will take.
Most engagements move from first conversation to a facility in a few months. The pace is set by how quickly we can get your numbers into the form capital partners back, and we start on that in week one.
Alongside them. Our team covers the capital side, the lender-facing models, the structuring and the negotiation, and works directly with your finance team, who keep running the business day to day.