Capital for boutique retail, big-box, specialty, and online sellers — Amazon FBA, Shopify, DTC, wholesale.
$5.5T U.S. retail market — Q4 alone is 30%+ of annual revenue for most retailers
It's August 14th. Your Chinese supplier needs the $180K wire by Friday to ship in time for Black Friday. You have $42K in checking. Last year, missing the early-buy window cost you 25% margin — and you still ran out of your top SKU on Cyber Monday. You're staring at the same outcome again, only worse, because your ad spend is dialed in this year and you'd be turning down sales.
Inventory financing wires Friday. Containers ship August 21. Stock arrives in your warehouse October 28. Black Friday opens at 12:01 AM with full inventory of every SKU — including the bestseller you ran out of last year. November + December revenue: $1.4M, up 67% YoY. The financing repays itself by mid-January.
If 2+ of these sound familiar, you don't have an operations problem — you have a capital problem.
Your supplier needs $180K to lock in holiday SKUs at the discounted rate. Miss the deadline and you pay 22% more — or worse, run out of stock during your highest-grossing month.
You sold $84K last week. Amazon releases $40K next Tuesday and the rest in 14 days. Your supplier wants payment Friday. You're profitable on paper, broke in real life.
You're crushing Meta and Google at 4.2x ROAS. Every dollar in ad spend returns $4.20. You'd 10× your business if you had the budget — but you don't.
The mall offered you the corner unit at half rent for 12 months if you sign by Friday. Build-out is $90K. You either say yes now or someone else does.
Returns season hit you for $42K of unbudgeted refunds. Two chargebacks. A theft incident. Cash flow is suddenly an emergency.
This is what retail owners do with Pincutt funding — and what you'd do too.
Inventory financing aligned to your seasonal cycle — stock up at discount pricing, sell through at full margin, repay from holiday revenue.
Working capital lets you push winning campaigns to the max. The ROAS is already proven; the only constraint is cash.
Capital that fills the 14-day Amazon hold so your suppliers stay paid and your reorder cycle never breaks.
Wholesale, retail expansion, new platform launches — all funded so you can move fast on opportunity.
MCA and revenue-based products take a small % of daily sales — heavy when you're selling, light when you're not. Built for retail rhythm.