Retail & commerce
Stock the opportunity. Understand the margin.
Physical and digital retail can grow sales while tying up cash in stock and fulfilment. Review the economics of each channel and the timing of customer receipts.
Discuss your sector
The assessment context
Understand the operating model. Define the capital need.
| Area | Information | Review |
|---|---|---|
| Inventory | Turnover, ageing and supplier payment terms. | Identify stock that converts reliably into sales. |
| Channels | Shop, marketplace and direct-online performance. | Compare contribution after fees and fulfilment costs. |
| Seasonality | Peak purchases and later trading receipts. | Map the short-term liquidity gap. |
| Returns | Refunds, rejected orders and slow-moving stock. | Allow for the effect on retained cash. |
Preparing the conversation
The unit economics matter
Bring settlement records, stock information and channel-level performance rather than relying only on total sales.
Sector information provides context for an enquiry. Product availability and financing terms depend on the applicant, arrangement and applicable requirements.
Personal attention. Professional assessment.
Tell us about your retail & commerce requirement.
Describe the use of funds, expected timing and the operating context.