Settle

Self-funding a DTC brand by timing ad and inventory payback to bill dates

Shaan lays out the cash-flow playbook: charge ad spend to a credit card that pays back (1.4-3x) within 7 days but isn't due for 30, get supplier terms, and use financiers like Wayflyer or Settle (~1% per month) to float inventory so it sells before the bill is due.

“Your ads pay themselves back before your credit card bill is due, and your inventory pays itself off before your inventory bill is due, and you just pay a small vig on insurance. So there's a lot out there now to help you scale. And I think a business— these businesses, I think, sell for about 1x revenue, which is, you know, maybe 4 or 5x times EBITDA.”

Steal thisTime ad and inventory payback to land before the credit-card and supplier bills come due so the brand funds its own growth.