OUR SERVICES:
Get Capital-Ready with Expert Loan Support for CPG Brands
We help Founders borrow smarter, not just more. With clean financials, the right lender match, and a strategy tailored to CPG cycles, Cultivar makes growth financing a catalyst, not a constraint.
Why Founders Turn to Cultivar for Capital Strategy
CPG Founders often face this crossroads:
Inventory demands are growing
Retail orders are scaling
Cash feels tighter than ever
But most don’t feel equipped to navigate the lending world. Traditional banks reject 80%+ of early-stage CPG applicants, and many Founders either overpay or miss out completely .
That’s where Cultivar’s Loan Support service comes in. We help you:
Optimize working capital before you borrow
Package your financials to meet lender standards
Match with vetted capital partners based on your revenue model
Get funded without sacrificing cash flow or equity
What’s Included in Our Loan Support Services
We support every stage of the capital journey, from pre-qualification to successful close.
Loan Readiness
Clean-up and audit of financial records
Cash conversion cycle (CCC) analysis
Gross margin health check and inventory review
Recommendations to improve financial health before applying
Capital Optimization
Vendor term strategy and AR/AP alignment
Inventory and cost modeling to reduce cash strain
Scenario-based forecasting (e.g., seasonal ramps, channel launches)
Loan Facilitation
Lender-grade loan package creation (24+ docs, models, and reports)
Warm introductions to curated CPG-focused lenders
Term sheet review and negotiation support
Comparison of structures: RBF, line of credit, inventory loans, PO financing
Ongoing Support
Covenant tracking, refinancing analysis, capital pipeline planning
How We Work
Our team includes accountants, FP&A specialists, and capital advisors who understand both CPG financials and lender requirements. We’ve helped clients:
Secure $50K to $2M+ in non-dilutive financing.
Improve working capital cycles by 20–30 days.
Avoid predatory terms and improve cash flow runway.
FAQs
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We partner with CPG-friendly lenders including Settle, Flex, J Palmer Collective, Wayflyer, and Highbeam. Each offers different capital structures like PO financing, revenue-based loans, and AR-backed credit. We help you find the best fit for your business model.
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We run a Cash Conversion Cycle (CCC) analysis to determine how much capital your business needs to operate smoothly through your production, sales, and receivables timeline. We also model scenarios based on your channel growth and seasonal demand.
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Yes, and we help with that too. Clean, accrual-based books are the foundation of any strong loan application. We’ll ensure your accounting, COGS, and inventory records meet underwriting standards before you apply.
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“Before Cultivar, I was making big decisions without a clear view of the numbers. Now I feel more in control and less stressed.”
— Azul Couzens
Co-Founder & President, ¡Ya Oaxaca!
Need Capital to Grow Your Brand Without Giving Up Equity?
We’ll help you get funded the smart way.