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Working capital,
shaped around the business.

Consumer brands pay for stock long before they're paid for it. Draft's financing is designed for that gap, sized around how the whole business earns and collects cash.

Enquire
Draft's blue and white porcelain vase.

What it can fund.

Stacked blue and white product boxes on a sculptural shelf.

Inventory and production

Pay suppliers, fund production runs and cover freight before the stock sells. The financing follows the order, from deposit to sell-through.

What we look at

  • Supplier terms and order sizes
  • Sell-through and reorder history
  • Stock on hand across locations
White consumer products arranged on sculptural cobalt shelves.

Wholesale and retail orders

Take on larger retail and wholesale orders without stretching the rest of the business while you wait to be paid.

What we look at

  • Purchase orders and retailer terms
  • Deductions, chargebacks and payment timing
  • Concentration across retail partners
Blue and white porcelain products arranged as an online storefront still life.

Growth and new channels

Back launches, marketing and new channels, sized to what the business earns and how quickly sales turn into cash.

What we look at

  • Contribution margin by channel
  • Acquisition costs and repeat purchase
  • Marketplace and processor settlements

Clear terms,
in writing.

Every facility is set out in a written agreement before any money moves. Financing may take the form of a loan, a line of credit or another structure suited to the business, provided by a Draft group company or a funding partner, as named in the agreement.

Amount and availability
How much is available, when it can be drawn and any conditions on drawing it.
Total cost
Every fee and charge, set out before you sign.
Repayments
The schedule, frequency and how repayments are collected.
Security and conditions
Any security, guarantees, reporting or covenants that apply.

Is Draft right
for your business?

Draft is for

  • Companies registered in the United States, with US business bank accounts
  • Brands selling their own physical consumer products
  • Businesses with a sales history across one or more channels
  • Financing for business purposes

Draft is not for

  • Individuals, or borrowing for personal, family or household purposes
  • Businesses registered or banking outside the United States
  • Refinancing personal debt

Eligibility is assessed case by case. Financing may not be available in every state, and our products and criteria may change.

A relationship
that grows with you.

The next order should be easier to finance than the first.

As the business grows, we build on what we already understand, review what has changed and consider what the next stage needs. Any further financing is a new decision, agreed in writing.

How it works

Planning a bigger
next order?

Access to Draft is by enquiry. Tell us about the business and what it's planning, and we'll take it from there.

Enquire

An enquiry takes a few minutes and doesn't commit you or Draft to anything.