A specialty retailer expands its product range
Inventory expansion and store refresh · $140,000 funded
Funded
Use
Structure
The challenge
What the business was up against
A specialty retailer with a loyal customer base saw an opportunity to expand into adjacent product categories its customers were already asking for. Capturing it meant buying inventory in categories the store hadn't carried before, a real but uncertain bet.
The owner didn't want to take on a long-term loan for what was essentially a working-capital need tied directly to seasonal buying.
The solution
How we structured it
PIRS sized a $140,000 advance against the store's steady year-round card volume.
We kept the structure flexible with a reconciliation provision, so if the new categories took time to find their footing, remittances would track actual sales rather than a fixed bill.
The outcome
What happened next
The expanded range lifted average order value and brought in new customers, and the new categories became a permanent part of the assortment.
The retailer renewed ahead of the following holiday season to fund seasonal stock.
This case study is an illustrative composite, not a specific customer record. Figures and details are representative of how PIRS structures working capital. Funded March 12, 2026 (illustrative). Outcomes vary by business.
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