Growth capital for online merchants. You stay in control.
Banks value your inventory at the cost of its materials, not what it sells for. So merchants end up underfunded and over-controlled.
You’d never value your house at the price of its bricks. But that’s exactly how inventory gets financed today.
You pre-sell it to us at a discount and unlock growth capital, without a single box ever moving.
Because your retail value dwarfs your cost, funding against it unlocks far more than a bank ever would.
We own proven products, so the risk is lower, and lower risk means cheaper capital for you.
No personal guarantees, no blanket liens, and you can buy your inventory back anytime at no extra cost.
Figabl sits beside your capital stack. We buy title to your inventory, so we’re your customer, not your creditor. Often compatible with bank lines. Flexible with founders, by design.
We back a small number of category leaders, for the long term.
If we’re going to solve problems together, we need to actually like each other.
Trust breeds trust and keeps friction low.
No movement, no disruption. It stays in your 3PL or FBA.
Customers never know we exist. Your revenue lands early.
Buy it back to wind down, or restock with same-or-better SKUs to scale, at no extra cost either way.
Keep the capital as long as you need it, for one simple monthly fee.
We buy your inventory; we don’t issue a loan.
We back your inventory, never your house. Grow boldly and still sleep soundly.
Repay and walk away whenever you like, at no extra cost.
One simple, transparent fee you can plan a year around. No hidden line items.
When US rates fall, your cost of capital falls with them, automatically.
Keep it as long as it’s useful. We’re built for the long game.
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.
“Figabl’s capital scaled us from $35M to $110M+ in three years, and the funding grew as fast as we did.”
“We went from fighting cash flow to investing aggressively in marketing, product and new channels, because Figabl freed up our capital.”
“We unlocked far more capital than a bank would ever give us.”
“Repurchasing inventory as we sold it meant zero disruption. Figabl slotted into our business without friction.”
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 merchant gets the time they deserve.
We architected UBS’s trading platforms, ran Bridgewater’s trading operations, and sat on the other side of the table too: restructuring Kodak, AIG and others through the 2008 financial crisis and its aftermath. Decades of institutional finance experience, focused on the future of retail, not the past of bank lending.
Two exits. Ex-Global Head of Innovation, CNN. Brings the commercial velocity and customer acquisition of a successful founder.
Ex-AlixPartners. Restructuring specialist across Kodak, AIG and more. Knows exactly what happens when financing goes wrong, and how to make sure it doesn’t.
Architected UBS’s APAC algorithmic trading platforms. Built the data infrastructure that makes Figabl’s model possible.
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.