10th CAPITAL

We are passionate about stepping in and solving an expanding company’s cash flow
needs, so they can take their time to find and negotiate with the right investors.
Contact: Courtney Haley, Founder

FAQs

10 million USD is typically our minimum. However, we work with a lot of companies that are much smaller but they have an interesting or innovative business that will grow quickly and we will jump in with smaller amounts and help them scale faster.

No!  In 2022 10th Captial raised 100M USD loan for a company in Asia and the larger the company, actually the easier for us to find lenders that want to participate.

No.  10th Capital has a database of 180 lenders (and growing each week!) and every lender has a speciality. Some prefer to finance companies in Target.  Others, prefer Amazon shops. Others prefer online sales or subscription based companies.  We spend the time to match the perfect lender for how your business is run, and use a lender that is an expert in that space and can assess risk easily.  We’ve never used the same bank twice because every company has different needs.

No.  Most of our clients are in the Beauty, Apparel or Real Estate Industry because this is the background and network of our team, but we have a lot of other clients from all types of industries.

No, unfortunately.  We focus on businesses that have a physical good to sell whether it’s online, in a retail store or via social media apps.

Yes if you have revenues, your business is stable or growing, and the cash can be used to further expand your business. Sometimes a start-up has a huge opportunity but is overwhelmed how to finance it, and it’s not enough time to raise money with investors

Yes! Both should be done in parallel because we complement each other.  Most investors are not interested in using their cash to pay your day to day bills, finance your inventory, pay your team etc. Investors want to utilize their cash to help your company get a huge opportunity that can scale your company quickly so they can get exit and get their investment money back faster.  Most investors will be relieved and impressed that you solved your cash flow issues and actually there are some investors that network us to clients to help them in the short term while they determine if it’s a good fit for them to invest.

That depends on how much you are raising. Typically it’s better to try to use your own company’s profits or assets to finance your company, and take your time to find the right investor. Or even wait 2-5 years when your company is bigger so you can raise a much bigger chunk of money in exchange for the same % of equity. The larger the company, the easier to find equity investors and those investors that can make a big impact on your company’s growth strategy.

 Yes.  We have lenders that specifically focus on QVC opportunities and can easily assess the risk of your QVC launch.  

Yes.  Selling primarily online is a huge trend that is scaling well beyond the pandemic. We have lenders that focus on this type of loan.

Yes.  We have lenders that focus on Amazon shops. 3 months of sales will be required to review and determine how much can be loaned.

Yes.  We have lenders that will finance invoices or purchase orders if this is how your business scales their business.  We will match you with a lender that specializes with that particular retailer such as Target, Ulta, Trader Joes, etc.

Our team is based in California and Hong Kong. However, the lender is chosen based on which lender is right for each company. We have used banks in the Netherlands for a US Company. And we have used US lenders for a Hong Kong Company expanding to Dubai.

Yes, we charge on average 2% for our services, but the money is only due once the loan money is wired to you.  So no upfront fees are due.  We get paid when you get paid.

No. We are find cash for your business utilizing debt instruments such as Loan, Line of Credit, PO financing, Invoice Financing, etc that will be paid back with interest.  We are your partners that connect you to the lenders all over the world that are looking for companies like you and want to lend money.  We do not take any equity.