Financing tools for product businesses, compared (2026)
Six financing tools. One comparison. Real costs, named providers, and a clear verdict on what each one solves – for product businesses at scale.
Straight-talking guides for product brands navigating inventory, cash flow and the realities of scaling. Plus, a few Treyd Secrets.
Six financing tools. One comparison. Real costs, named providers, and a clear verdict on what each one solves – for product businesses at scale.
Your own cash has a cost – it just doesn’t show up as a line item. Here’s how to decide when financing makes more sense than using your reserves.
Many founders hear "1.5% per month". That's the wrong calculation – and it's costing them more than the financing ever would.
You've shipped the goods. Now you're waiting 60 days to get paid. Invoice financing closes that gap – without debt, without equity, without the wait.
For product businesses at £1M+ turnover: a clear-eyed guide to inventory financing, invoice financing, bank credit, and equity – and when each one actually makes sense.
Late payment is closing 38 UK businesses every day. For product brands at £1M+, the cash gap is structural – and inventory financing is built to bridge it.
In this read we'll focus on practical, low-risk ways to shorten the cycle – with impact on forecasting, margin, and growth planning.