Funding a season of inventory without touching the cap table.

Foster & Co supplies independent retailers across the Prairies, and Daniel’s buying happens months before the selling. Each season he commits to inventory in the spring that won’t turn into sales until the fall — a classic distribution squeeze that had him considering an outside investor.

Instead, Thrivewell placed revenue-based financing that flexed with the company’s sales: repayments scaled down through the quiet months and up during the busy run-up to the holidays. Daniel kept full ownership of the business he’d spent twelve years building.

“An investor wanted equity and a board seat for the same money,” he says. “Thrivewell wanted a small share of revenue until it was paid, and then we were done.”

Foster & Co had its strongest season on record, and Daniel has used the same structure to fund inventory two seasons running.