Funding for Ecommerce Home Goods Brands: The Complete 2026 Guide

Introduction

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Funding for ecommerce home goods brands is the single biggest operational lever most founders underestimate, and the one that determines whether a promising candle line, furniture collection, or kitchenware store scales or stalls. If you're running an e commerce business selling physical home products online, your capital needs look fundamentally different from a software startup or a dropshipping side project. Between large upfront manufacturing minimums that can tie up capital for home goods brands, slow inventory turns, and aggressive seasonality, the right funding option can mean the difference between doubling revenue and running out of stock before Black Friday.

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The most effective financing options for home goods e-commerce include revenue based financing, inventory financing, platform-embedded capital (like Shopify Capital or Amazon Lending), and selective use of traditional bank loans or equity financing. Which one fits depends on whether you're seeking funding for inventory, marketing campaigns, or market expansion, and how much ownership you're willing to trade.

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This guide focuses specifically on digital-first, inventory-heavy home goods brands selling through Shopify, Amazon, DTC sites, and marketplaces. It is not written for brick-and-mortar retailers or pure software companies. Whether you sell candles, indoor plants, premium cookware, bedding, or oversized furniture, the cash flow challenges, and solutions, covered here apply directly to your business model.

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What you'll learn:

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• How cash flow works (and breaks) for home goods ecommerce brands, and why generic business loans rarely fit
• How to choose between revenue based funding, inventory financing, equity, and platform capital for your specific growth stage
• How two real home goods brands, 96North and The Stem, used our funding for inventory-led scaling and as an alternative to venture capital
• A step-by-step walkthrough of how our funding works in practice, including eligibility, repayment terms, and speed
• Practical solutions to the most common funding traps home goods founders fall into

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Understanding Ecommerce Funding for Home Goods Brands

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Ecommerce funding, in this context, means providing upfront capital to online businesses selling physical home products, from scented candles and ceramic vases to sofas and outdoor planters. Unlike digital products or services, home goods come with long supplier lead times, high shipping and warehousing costs, and the ever-present risk of damage and returns. That makes choosing the right capital structure far more consequential than simply “getting a loan.”

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Home goods founders struggle more with cash flow than operators in lightweight categories because of the sheer cost density of their supply chain. Container shipments of furniture, pallets of glass décor, or bulk orders of handmade candles all require large deposits weeks or months before a single unit sells. Add warehouse fees, freight, customs duties, and a return rate of roughly 10–11% for small home goods (with reverse logistics sometimes costing 50–60% of product value), and you have a business where capital is constantly locked in transit or on shelves. The funding model you choose must account for this reality: rigid monthly payments on a traditional term loan can crush a brand whose revenue peaks in Q4 and dips in January.

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The Cash Flow Reality of Home Goods Ecommerce

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The typical cash conversion cycle for a home goods brand looks like this: pay suppliers 30–90 days before stock arrives, pay your 3PL or warehouse to receive and store it, then wait additional weeks or months for products to sell and for payment processors, marketplaces, or BNPL providers to release funds. Commerce Catalyst benchmark data shows a median of approximately 129 days of inventory on hand across categories including home goods, meaning roughly four to five months of cash is tied up in stock at any given time.

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Home goods specifically amplify the pain. High minimum order quantities from manufacturers mean you often can't order small test batches of a new rug collection or planter line. Furniture and large décor items incur higher per-unit freight and storage costs, and fragile items like glassware or ceramics carry elevated damage and return rates. Home goods often have seasonal demand spikes (Q4 gifting for candles and décor, spring refresh for outdoor furniture, summer for garden accessories), creating intense pressure to invest heavily months before revenue materialises.

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This creates what experienced founders call the “inventory and marketing squeeze.” Every pound or dollar locked in sofas, rugs, or plant stock is a pound or dollar unavailable for Meta ads, Google Shopping, TikTok campaigns, or marketplace expansion. The brand that can break this squeeze, by accessing external funding timed to its revenue cycle, gains a structural advantage over competitors who self-fund and constantly choose between being in stock and being visible.

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The solution is not a generic e commerce business loan with a fixed repayment schedule. It's working capital that flexes with your sales data, a principle that underpins the most effective funding solutions for ecommerce businesses.

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Key Funding Concepts: Working Capital vs. Growth Capital vs. Non‑Dilutive Capital

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Working capital for a home goods brand is the money that keeps daily operations running while inventory is sitting in warehouses or containers on the ocean. It covers supplier payments, freight invoices, fulfilment costs, packaging, and payroll. For a furniture brand with 129-day average inventory, working capital requirements are substantial: you're essentially pre-financing four months of cost of goods sold before revenue arrives.

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Growth capital funds expansion: scaling marketing spend on Facebook, Google, or Amazon PPC; entering new markets (cross-border into the EU or North America); launching new product lines like a bedding range or new candle scents; investing in branding, creative, and content. These costs are front-loaded, with returns arriving over weeks or months.

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Non-dilutive capital is funding that doesn't require you to give up equity or board seats. Revenue based financing, inventory loans, cash advances, and lines of credit all fall into this category. In contrast, equity financing from angels or VCs means selling a stake in your business, appropriate in some scenarios, but expensive when all you need is working capital for the next inventory cycle or marketing push.

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These concepts map directly to products like our Cash Advance (US only, non-dilutive, repaid as a fixed share of sales), Term Loans for larger one-off investments, and revolving lines of credit (our Line of Credit is US only) for high-growth brands that need to draw down capital flexibly. Understanding which type of capital you need, and when, is the foundation for choosing the right funding option.

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With these concepts clear, the next section breaks down the specific funding types available to home goods brands and how each one works in practice.

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Core Funding Options for Ecommerce Home Goods Brands

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Now that the underlying cash flow dynamics and capital types are established, the question becomes: which funding structures actually work for inventory-heavy DTC, Amazon, and multi-channel home goods brands? This is not an exhaustive list of every financial product on the market. It's a focused comparison of the options that online retailers in the home goods vertical use most frequently in 2024–2026, with honest trade-offs for each.

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Revenue-Based Financing for Home Goods (Flagship Option)

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Revenue-based financing provides upfront capital to your business as one of the specialized e-commerce loans available to online retail brands, in exchange for a small, fixed percentage of your gross revenue until a pre-agreed total repayment cap is reached. There is no equity dilution, typically no collateral or personal guarantees, and repayment amounts adjust based on monthly sales performance: if you have a slow January, your payment drops proportionally. The revenue-based financing market is projected to reach $178.3 billion by 2033, reflecting how quickly online sellers are adopting this model over rigid alternatives.

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For home goods brands, revenue-based funding is particularly well-suited because it aligns repayment with the seasonal reality of the business. Repayments ramp up during Q4 gifting peaks or spring refresh surges and fall back during quieter months. Total repayment is typically set as 1.2x to 1.5x the borrowed amount, and most revenue-based financing does not require collateral or personal guarantees. Our own Term Loans and Cash Advance work differently, with one fixed fee agreed upfront: we provide funding from $10,000 to $2 million depending on the brand's monthly revenue and trading history, with a decision within 24 hours.

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To qualify with us, businesses need at least six months of trading history, consistent with the broader market. For Amazon sellers, the minimum is $10,000 a month in sales; for other online brands on Shopify or DTC, $100,000 or more in monthly revenue is typical. Many lenders can verify sales data automatically for faster approval, eliminating the need for pitch decks or audited financials.

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Inventory Financing and Purchase Order Funding

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Inventory-specific financing allows lenders to pay suppliers directly, funding the purchase of stock before it sells. For a home goods brand, this might mean financing a container of sofas ahead of a spring launch, pallets of candles before the winter holiday season, or a bulk order of planters ahead of summer. Home goods typically require high minimum order quantities for inventory, making this type of financing especially relevant.

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Purchase order funding works similarly: if a large retailer or marketplace sends you a purchase order for a new bedding collection, a funder advances the capital to manufacture and ship that order before you receive payment. The advantages are clear: avoid stockouts on bestsellers, lock in volume pricing, and meet lead times. The cons: inventory is often used as collateral, personal assets may be at risk if personal guarantees are required, and there's always the danger of overstock if demand projections prove wrong. For bulky or niche items, the risk of dead stock is particularly acute.

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Our funding can be used flexibly for inventory purchases as well as marketing, with no restrictions on how the money is spent, a meaningful difference from dedicated inventory financing facilities that lock capital into a single purpose.

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Platform-Embedded Capital (Shopify, Amazon, Payment Providers)

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Embedded offers like Shopify Capital, Amazon Lending, and PayPal Working Capital are common funding options for established businesses selling home goods online, often positioned as direct platform-based financial assistance. Shopify Capital can approve and deliver funds in as little as two days, offering up to $5 million with repayment via a fixed percentage of daily Shopify sales. In Q1 2026, Shopify Capital originations rose to $1.4 billion, up approximately 71% year-on-year, a sign of how rapidly this model is growing.

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The benefits are straightforward: speed, minimal paperwork, no personal credit check, and repayment tied directly to platform sales. But the drawbacks matter for multi-channel home goods brands. Platform capital only sees revenue from that single platform: if 40% of your sales come from Amazon and 30% from wholesale, a Shopify Capital offer is sized only against your Shopify slice. Fee structures can be opaque, ceilings are often lower than what a fast-growing brand needs, and offers are frequently invitation-only.

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For brands selling across Shopify, Amazon, and wholesale, layering platform capital with a more flexible solution, like ours, which uses real sales and bank data across multiple sales channels, can provide a fuller capital picture.

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Traditional Bank Loans and Lines of Credit

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Traditional term loans involve fixed monthly payments over several years, often at competitive interest rates for borrowers with strong credit history and physical collateral. A revolving line of credit provides cash as needed for unexpected expenses, operating more like a flexible buffer. For home goods brands, bank loans can be useful for long-term investments like warehouse fit-outs or showroom leases.

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The mismatch with ecommerce cash flow is significant. Banks typically underwrite on personal and historical financials, not Shopify dashboards or Amazon Seller Central reports. Traditional loans often require a personal guarantee from business owners, and fixed repayment schedules can strain cash flow during slow months, exactly when an indoor décor brand is between seasonal peaks. SBA loans typically require at least two years in business, further limiting access for younger brands. For day-to-day inventory and marketing cycles, most home goods founders find that non-bank lending solutions offer a better fit.

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Equity Funding (Angels and VC) for Home Goods Brands

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Home goods brands raise equity financing when the opportunity is transformational: launching a proprietary product line, building in-house design capability, or funding an international retail rollout. Venture capital can provide a lump sum of growth capital along with strategic advice, network access, and credibility.

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The trade-offs are well-documented: dilution of ownership, potential loss of board control, pressure for hypergrowth, and cap table complexity that can affect day-to-day business decisions. Traditional banks are no longer the only option, because online lenders also serve ecommerce borrowers with faster, more flexible products. Raising £1 million from a VC at an early stage might cost 15–25% of the company. If the primary use of those funds is purchasing inventory and running Meta ads (both repeatable, predictable expenses), the cost of equity is disproportionate. Many founders prefer to use non-dilutive working capital from providers like us for those cycles and reserve equity for genuinely strategic bets. The Stem case study, covered below, illustrates exactly this approach.

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Other Short-Term Options (Credit Cards, Merchant Cash Advances, Buy Now Pay Later with Suppliers)

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Business credit cards are useful for small, flexible costs and can help build business credit, but carrying balances at high interest rates is expensive and unsustainable for purchasing inventory at scale. Supplier payment terms (net 30/60/90) effectively provide interest-free short-term financing and are worth negotiating wherever possible.

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Merchant cash advances provide quick access to funds without collateral, advancing a lump sum against future revenue with repayment via daily or weekly holds on card transactions. However, merchant cash advances are among the most expensive forms of business financing: total costs can be very high, and daily repayments can strain cash flow for inventory-heavy brands where products take months to sell. Invoice factoring provides immediate cash by selling unpaid invoices to a factoring company, which then handles collection for a fee, and can advance 70–90% of invoice value upfront, but is only relevant for brands with B2B receivables. Crowdfunding allows consumers to pre-order products before manufacturing, which can validate demand but is not a reliable recurring funding source.

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These tools work best as tactical or emergency instruments, not as primary growth funding. Revenue based financing offers a more sustainable foundation for scaling marketing efforts and inventory.

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In summary: revenue-based financing and flexible working capital suit repeatable growth cycles. Inventory financing solves specific stock-up needs. Platform capital works for single-channel sellers. Bank loans serve long-term asset purchases. Equity is for transformational bets. And short-term tools fill tactical gaps. The next section maps these options to the specific growth scenarios home goods brands actually face.

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Applying Funding to Common Home Goods Growth Scenarios

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Choosing funding becomes far simpler when you start from your use case rather than the financial product. Are you trying to stock up ahead of peak season? Scale paid ads on a proven funnel? Expand into new geographies? Or avoid raising funds through equity when working capital is all you need? This section maps each scenario to the funding structures that typically work best for home goods brands.

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Scenario 1: Inventory-Led Growth on Marketplaces and DTC

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A candle brand keeps selling out on Amazon two weeks before Black Friday. A storage and organisation brand can't secure enough units of its bestselling shelf system before the January “new year, new home” surge. A bedding company misses volume discounts because it can't front the cash for a full container order. These are textbook inventory-led growth problems, and they're common in a vertical where home goods brands often manage large seasonal purchase orders or international freight lead times.

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The goal is to fund bigger, earlier inventory orders without starving cash for operations or marketing. The best funding mix is typically revenue-based financing or inventory financing sized at one to three times monthly revenue, potentially layered with supplier terms. Lenders look for disciplined inventory turnover to avoid cash traps in home goods: brands that can demonstrate consistent sell-through rates and controlled return rates will access better terms.

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96North, the premium candle brand covered in the case studies below, is a concrete example of how inventory-led growth funding works in practice.

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Scenario 2: Marketing-Led Growth for a Brand-Led Home Goods Store

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Picture a DTC home goods online store with strong unit economics (healthy gross margins, a proven product, repeat customers) but chronically under-invested in paid social. The founder knows that Facebook, Instagram, TikTok, and Pinterest ads generate profitable returns, but every available pound is tied up in stock. When ROAS is predictable, the main constraint is cash to pre-fund marketing spend and content creation.

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Revenue-based funding dedicated to the marketing budget is the natural fit here, with flexible repayment that automatically scales as revenue grows from the marketing investment. Commerce Catalyst data shows average customer acquisition costs of approximately $58 for small home goods consumables and $77 for furniture brands, significant numbers that require consistent, sustained investment.

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The Stem, detailed below, shows how marketing-focused funding can scale a home goods brand without dilution.

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Scenario 3: Market Expansion and Product Line Extensions

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A home goods brand has proven product-market fit in the UK and wants to expand into EU markets or North America. Or a plant shop wants to launch adjacent SKUs: pots, tools, and décor. Cost categories include translation and localization, regional logistics setup, compliance requirements, test marketing budgets, and first production runs of new designs.

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The recommended approach is a combination of non-dilutive growth capital for inventory and marketing spend, with strategic equity reserved for cases where the expansion is truly transformational.

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Scenario 4: Choosing Non‑Dilutive Capital Instead of a VC Round

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A mature DTC or omnichannel home goods brand is doing strong monthly revenue with clear repeat purchase behavior and a visible path to profitability. The founder faces a decision: raise a large equity round to accelerate, or use non-dilutive working capital to scale marketing spend while keeping full control.

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The framework is straightforward: use equity for long-term structural bets (proprietary technology, physical retail, international teams) and revenue-based funding for repeatable working-capital cycles (ads, inventory, marketing creative). Given that 90% of e-commerce businesses fail within the first 120 days, founders who have built a sustainable business model are often reluctant to dilute prematurely for expenses that recur every quarter.

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The Stem, a London plant shop, chose exactly this path, tripling its ad budget with our funding rather than raising a VC round. Their story follows in the next section.

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How Funding with Uncapped Works in Practice

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Our funding is non-dilutive and built for ecommerce companies that need fast access to working capital. For home goods brands typically doing $100,000+ a month in revenue ($10,000+ for Amazon sellers), here's exactly how the process works from application to repayment.

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Step-by-Step Process to Secure Funding

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1. Eligibility check: Your brand needs at least six months of trading history and monthly revenue of $10,000+ for Amazon sellers, or typically $100,000+ for other online brands. We fund businesses in the UK, US and Canada.
2. Application: Apply online by connecting your sales platforms and bank accounts. We make decisions using this real sales and bank data. No pitch deck, no business plan, and applying doesn't affect your credit score. Gross margins are evaluated closely by lenders for e-commerce brands, so strong unit economics help.
3. Offer: You get a decision within 24 hours. Founders see the funding amount (from $10,000 to $2 million depending on revenue) and one fixed fee, so the full cost is known upfront. Term Loans carry one fixed fee from 0.7% per month, with terms up to 24 months.
4. Funding: Once accepted, capital is ready to deploy into inventory purchases, marketing campaigns, hiring, or international expansion.
5. Repayment: Term Loans are repaid over a set term of up to 24 months. Our Cash Advance (US only) is repaid as a fixed share of sales (5% to 25%), collected weekly or every 14 days, so if sales fall in a given period, the payment falls with them, protecting cash flow during slow seasons. Most Cash Advance customers repay within about 4 to 6 months.

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Comparing Our Funding to Other Options

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If you're comparing providers through a marketplace, access to multiple lenders can help you assess terms, fees, and fit before choosing a product.

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Many scaling home goods brands layer non-dilutive funding on top of (or instead of) bank or VC capital. The logic is practical: use our funding for repeatable working-capital needs, such as restocking bestsellers or funding a Q4 ad push, and reserve equity or long-term debt for structural investments that genuinely require permanent capital. This is exactly what the brands in the next section did.

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Funding Stories from Ecommerce Home Goods Brands

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Real numbers tell the story better than theory. Below are two home goods brands that used our funding in two distinct ways: inventory-led scaling, and as a deliberate alternative to raising venture capital. Each case demonstrates a different strategic use of non-dilutive capital.

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Inventory-Led Scaling: 96North's Candle Brand on Amazon

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96North is a premium candle brand founded in 2021, selling primarily on Amazon alongside other marketplaces. The brand had strong reviews and growing demand but faced constant stock pressure, the classic inventory-led constraint where online merchants run out of bestselling SKUs before they can reorder.

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We provided £70,000 of working capital in less than a week. The funds were deployed into Amazon marketing (sponsored products, brand ads) and deeper inventory buys to improve availability and delivery times.

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The results: approximately 3x revenue growth after funding, improved working-capital efficiency, and readiness for international expansion. 96North is part of the Alphawell Brands group. The inventory-led lesson: for popular home fragrance or décor SKUs, the priority is often securing enough inventory to stay in stock while simultaneously amplifying marketplace visibility. How much funding you need depends on your reorder cadence and the lead times from your suppliers, but timing matters more than amount.

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Choosing Funding Over VC: The Stem's Advertising Push

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The Stem is a London-based online plant shop selling indoor plants and related home goods directly to consumers. The founder was considering a VC round to scale but was reluctant to dilute ownership primarily for marketing spend, a repeatable cost, not a structural investment.

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Instead, The Stem took £50,000 from us at the end of 2020 and a further £68,000 several months later, totaling £118,000 in non-dilutive capital.

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The capital was used to triple The Stem's digital ad budget, invest in new creative for Facebook, and scale performance marketing, all without raising funds through equity. The strategic lesson for established businesses: if your growth levers are paid media and content rather than R&D or physical retail buildout, non-dilutive working capital can fund aggressive scaling while preserving full ownership.

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Common Funding Challenges for Home Goods Brands and How to Solve Them

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Even with multiple funding choices available, home goods founders fall into recurring traps related to seasonality, unit economics, and picking the wrong capital type. Each challenge below describes a specific, realistic situation with a direct, practical solution.

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Problem 1: Running Out of Cash Before Peak Seasons

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Home goods brands frequently order Christmas décor, Q4 candles, or spring outdoor furniture too late or in too small quantities because immediate cash is tied up in existing inventory or ongoing expenses. The pattern repeats every year.

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Solution: Forward-plan inventory based on previous seasons' sales history and secure revenue-based or inventory-specific funding 60–90 days before peak demand. With a sales-linked product such as our Cash Advance (US), repayments scale with sales, so funding taken before peak repays faster during the high-sales period, aligning cost with income rather than front-loading risk.

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Problem 2: Over-Reliance on Expensive, Rigid Debt

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Some brands stack high-interest business credit cards or rigid short-term business loans with daily repayments, crushing cash flow during slow months. For bulky, slow-turning items like furniture or rugs, where inventory turns average only 2–3x per year, this mismatch is particularly dangerous.

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Solution: Consolidate or replace inflexible debt with flexible repayment structures where payments decline when online sales decline. Home goods brands generally require flexible financing options to manage cash flow, and revenue-share models are specifically designed to absorb seasonal volatility rather than amplify it.

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Problem 3: Diluting Too Early for Working Capital

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Founders who see their home goods brand “hit” on social media or marketplaces sometimes give up significant equity to cover inventory and marketing spend, raising funds through a VC round when the actual need is repeatable working capital, not transformational investment.

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Solution: Reserve equity financing for long-term strategic investments (brand IP, proprietary product development, international teams) and use non-dilutive capital from providers like us for repeatable working-capital cycles. As The Stem demonstrated, tripling an ad budget doesn't require selling a stake in the company.

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Problem 4: Mismatched Funding and Channel Strategy

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Multi-channel brands selling across Shopify, Amazon, and wholesale sometimes rely solely on platform-embedded capital that only sees one channel's average monthly sales. This leads to underfunding: the offer is sized to one slice of revenue, leaving the brand unable to access funding that reflects its full business.

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Solution: Choose funding partners who can underwrite the full revenue picture across channels. We make decisions using real sales and bank data across your channels, so the funding amount reflects total business performance rather than a single platform's view. Eligibility often depends on sales history and account performance across all connected channels.

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Conclusion and Next Steps

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The core takeaway is this: funding for ecommerce home goods brands should match your inventory cycles, marketing performance, and ownership goals, not force your business into a repayment structure designed for a different industry. Whether your growth is marketing-led (like The Stem tripling its ad budget) or inventory-led (like 96North's 3x revenue growth by staying in stock on Amazon), non-dilutive funding gives seasonal, inventory-heavy brands the flexibility they need.

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Home goods ecommerce brands face high shipping and warehousing costs, long lead times, and unpredictable demand swings. The founders who scale successfully are the ones who treat capital strategy as seriously as product development or marketing strategies.

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Your next steps:

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1. Map your next 12 months of inventory and marketing needs by season, identifying when cash will be tightest
2. Calculate your working-capital gap: how much funding sits between your supplier payment dates and your revenue collection
3. Audit your current funding mix: are you relying on expensive or rigid tools where flexible options would serve better?
4. Assess your funding eligibility: do you have at least six months of trading history and consistent cash flow across your sales channels?
5. Explore a non-dilutive offer: connect your sales and bank data and get a decision within 24 hours to see how much funding your business qualifies for

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If you're ready to go deeper, consider exploring advanced inventory planning for home goods, optimizing ROAS with flexible capital, or how to structure your business plan around sustainable unit economics as you prepare for eventual scale or exit.

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Additional Resources and FAQs

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This section provides quick answers to the most common questions home goods founders ask when evaluating funding, along with pointers to genuinely useful resources.

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• Ecommerce Funding: The Complete Guide to All Your Options: a broader overview of every funding type available to online sellers
• The Complete Guide to Revenue-Based Finance: deeper mechanics of how revenue-share models work
• What Is a Working Capital Loan?: practical guide for brands evaluating their first working capital facility

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FAQ: Minimum Size and Eligibility for Funding

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We require at least six months of trading history. Amazon sellers need $10,000+ a month in sales, and other online brands typically $100,000+ a month. We fund businesses in the UK, US and Canada. Lenders usually require a strong credit score for traditional products, but our decisions use real sales and bank data, applying doesn't affect your credit score, and there are no personal guarantees.

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FAQ: How Fast Can a Home Goods Brand Get Funded?

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You apply online, and we make a decision within 24 hours (many Amazon offers arrive in minutes). Shopify Capital can approve and deliver funds in as little as two days as well, though offers are platform-limited.

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FAQ: What Can the Funds Be Used For?

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Our funding can be used for inventory purchases (containers of furniture, candle batches, seasonal collections), performance marketing (Meta, Google, TikTok, Amazon PPC), SEO investment, hiring, or international expansion. There are no restrictions on how the money is spent: capital can be deployed wherever it drives legitimate business growth.

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FAQ: How Are Repayments Calculated in Slow Months?

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With our Cash Advance (US), repayments are a fixed share of sales, so payments naturally decrease in slower trading periods. If your candle brand does half its normal revenue in February, your repayment is roughly half the peak-month amount. Term Loans are repaid over a set term with one fixed fee, so you know the full cost upfront. The sales-linked structure protects cash flow for seasonal home goods brands and eliminates the pressure of a fixed repayment schedule during off-peak months.

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FAQ: Can I Combine Uncapped Funding with VC or Other Loans?

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Combining with equity is common. A typical approach is using our funding for repeatable working capital, such as restocking inventory and funding quarterly marketing campaigns, while keeping equity for strategic partners or long-term financial support. If you already hold other loans or lines of credit, check their terms for exclusivity clauses or liens before taking on new funding.

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