Figabl — The Inventory Finance Company

The problem

Traditional finance doesn’t understand ecommerce.

Banks value your inventory at the cost of its materials — not what it sells for. So merchants end up underfunded and over-controlled.

The solution

We value your inventory at what it actually sells for.

You pre-sell it to us at a discount and unlock growth capital — without a single box ever moving.

More capital

Because your retail value dwarfs your cost, funding against it unlocks far more than a bank ever would.

A lower cost of capital

We own proven products, so the risk is lower — and lower risk means cheaper capital for you.

Complete control

No personal guarantees, no blanket liens — and you can buy your inventory back anytime at no extra cost.

How we work

A deliberately small circle.

Our circle is tight.

We back a small number of category leaders, for the long term.

We have to get along.

If we’re going to solve problems together, we need to actually like each other.

You’ll know every board member.

Trust breeds trust — and keeps friction low.

How it works

It isn’t a loan. Here’s how it works.

We buy your inventory — right where it sits.

No movement, no disruption. It stays in your 3PL or FBA.

You keep selling, exactly as you do now.

Customers never know we exist. Your revenue lands early.

Repurchase or replenish, anytime.

Buy it back to wind down, or restock with same-or-better SKUs to scale — no extra cost either way.

No deadline.

Keep the capital as long as you need it, for one simple monthly fee.

Why Figabl

Growth capital designed to give merchants control, so they can scale with a clear head.

It’s not debt.

We buy your inventory; we don’t issue a loan.

No director guarantees.

We back your inventory, never your house. Grow boldly and still sleep soundly.

No lock-ins.

Repay and walk away whenever you like, at no extra cost.

Grown-up pricing.

One simple, transparent fee you can plan a year around. No hidden line items.

Fees move with markets.

When US rates fall, your cost of capital falls with them — automatically.

Evergreen capital.

Keep it as long as it’s useful. We’re built for the long game.

The whole point

The most expensive inventory in the world is the inventory you couldn’t afford to buy.

Every order you turn down for lack of cash is a customer who learns to shop elsewhere. Figabl makes “yes” your default answer.

Results to date

A track record that does the talking.

$35M → $110M

Three years of growth

$2M → $5M+

First-quarter sales increase

Zero

Defaults or late payments

“Figabl’s capital scaled us from $35M to $110M+ in three years — and the funding grew as fast as we did.”

CEO · Home Supplies

“We went from fighting cash flow to investing aggressively in marketing, product and new channels — because Figabl freed up our capital.”

CFO · Consumer Electronics

“We unlocked far more capital than a bank would ever give us.”

CEO · Kitchen Goods

“Repurchasing inventory as we sold it meant zero disruption. Figabl slotted into our business without friction.”

CFO · Sporting Goods

Who you’re dealing with

You’ll have our board members on speed dial.

Rob, Stuart and Oscar make the decision to finance you — and they’re exactly who you talk to. We work only with category leaders, so every seller gets the time they deserve.

Backgrounds at UBS, Bridgewater, Kodak and AIG: decades of institutional finance, focused on the future of retail, not the past of bank lending.

Oscar

CEO

Two exits, ex-CNN exec. Leading inventory finance for category-leading brands.

Rob

CFO

Ex-AlixPartners. Managing capital for high-growth merchants, focused on operational efficiency.

Stu

Product

Ex-UBS APAC. Bridging traditional finance and the fast-moving world of ecommerce.

Let’s talk

Turn your inventory into growth capital.

A fifteen-minute call and a quick share of your data is usually all it takes to see how much capital you’ve been leaving on the warehouse shelf.

Book a call Email our team