Finance for eCommerce Brands | How to Fund Your Brand's Growth (eCom Collab Club #15)

eCommerce financing can feel like a minefield — equity rounds, debt facilities, revenue-based loans... Where do you even start?

In this episode, Adam Pearce (flying solo while co-host Peter Garderner mourns turning 40) sits down with Blake Bull from Finspire Finance to unpack how DTC brands can actually fund growth – without panic loans, personal debt, or giving away half the business.

Episode Summary
In this chat, Adam grills Blake on:
- How to tell if you're funding growth or plugging leaks
- The 3 main funding routes (explained like Tinder profiles)
- When to use debt over equity — and why waiting kills deals
- The red flags that scream “this founder’s not ready”
- What lenders really want to see in your accounts
- How one £360k tax bill nearly killed a thriving brand
- Why a clean personal credit history still matters
- And how to build your “war chest” before you actually need it

00:00 Intro – let’s talk money
02:40 Meet Blake Bull from Finspire Finance
04:15 What a finance broker really does
06:30 When funding goes from “nice to have” to must-have
09:10 Spotting duct-tape brands and panic-mode founders
12:25 Fear-based decisions and the myths that fuel them
15:00 Debt vs. equity vs. revenue-based finance
18:40 The 5-whys method: getting to the real reason you need money
21:45 Red flags in funding (and how to avoid them)
26:10 What “being ready for funding” actually looks like
30:45 Yes, lenders check your personal finances — here’s why
33:15 How being a homeowner can (weirdly) unlock better deals
36:05 Hidden costs: fixed vs. flexible vs. “you didn’t read the fine print”
41:00 Top cashflow killers: tax, hiring, and misplaced optimism
45:30 When funding is survival — not scale
49:40 Runway reality checks: why you need funding before you think you do
53:00 Myths Blake wants to kill (esp. around lenders & profitability)
56:10 International expansion? Here’s what lenders need to see
59:40 What founders think lenders want vs. what they actually ask for
01:01:30 Final tips, minimums, and weirdest funding requests
01:05:00 Wrap-up & how to get in touch with Finspire

Resources & links
- Finspire Finance → https://finspirefinance.com
- Omnisend email & SMS → https://www.omnisend.com/ecc/ (use code ECC30 for 30% off)
- Join the eCom Collab Club community → https://ecomcollabclub.com/community
- Need CRO help? Blend Commerce → https://blendcommerce.com

👍 Like, 🔔 subscribe and drop your wildest funding horror story or cashflow question below.

#eCommerceFunding #DTCFinance #Cashflow #StartupLoans #ShopifyGrowth #FinspireFinance #eComCollabClub

Видео Finance for eCommerce Brands | How to Fund Your Brand's Growth (eCom Collab Club #15) канала eCom Collab Club™