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Retail: What options does a pre-launch startup have with big retail partnerships and $250K MRR?
David Favor, Fractional CTO answered:

You can use a Factoring company (someone who purchases invoices).

And likely they'll require some sort of seasoning of recurring payments before purchasing.

You can go for Angel capitol + will have to give up a big chunk of income.

If possible, write your own bridge loans by writing balance transfer checks on your credit cards.

Usually this costs 1%-1.5% of check's value, so way cheaper than any other option + instant + you keep 100% ownership of your company.

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