FUNDING

B2C Funding Use Cases

Capital sized for consumer brands. Funding for paid acquisition, retention plays, product launches and category expansion - without giving up equity or putting the next raise on hold.

Recent Consumer Brands we've funded

Australian & Kiwi B2C brands use Tractor capital to scale paid acquisition, fund retention plays, and launch new product lines. Built between the bank and the VC.

B2C
Sydney
$150K
Growth Capital · 12 days to fund
A consumer app scaling paid acquisition while CAC payback holds under 6 months. Compounding user growth ahead of the next raise.
ADS
CAC
B2C
Melbourne
$480K
Line of Credit · 7 days to fund
A subscription brand funding the retention engineering push before the cohort decay curve sets in. Build phase live, full deployment in June 26'.
RETENTION
LTV
B2C
Brisbane
$950K
Growth Capital · 22 days to fund
A DTC brand launched a sister product line for an adjacent demographic in March 26'. Same supply chain, new revenue stream now contributing.
NPD
LAUNCH
B2C
Perth
$350K
Growth Capital · 16 days to fund
A consumer mobile app hiring a senior growth team before the next funding round. Roles signed, team building out through Q2.
HIRING
METRICS
B2C
Adelaide
$250K
Line of Credit · 9 days to fund
A wellness brand funded a creator and influencer partnership program ahead of Mother's Day. Campaign saw strong metrics, and helping drive more growth.
CREATOR
CAC
B2C
Melbourne
$700K
Growth Capital · 18 days to fund
A consumer fintech drew down for an app store featuring opportunity. Captured the install spike, scaling acquisition spend off the back of it.
ADS
ACQUISITION
B2C
Auckland
$1.5M
Growth Capital · 14 days to fund
A consumer health brand built out the customer success team before scaling subscriptions. CS team operational, renewal rate trending up.
CS
RETENTION
These are just some of our most recent deals for Consumer Brands.

To find out how we can fund your next acquisition campaign, retention play, or product launch - apply directly, or chat with one of our Capital Strategists.

What B2C brands can use funding for

Eight example scenarios that compound revenue for consumer brands that we've funded across various brands - all without giving up equity to do it.

ADS

I want to scale paid acquisition while CAC payback holds

Pour fuel on Meta, Google, and TikTok while the unit economics still work. Capture the growth, don't wait for it to revert.
META
CAC
RETENTION

I want to fund the retention push before churn bites

Invest in the lifecycle program, post-purchase flow, and product stickiness. Lift LTV before the cohort decay shows up in the dashboard.
LTV
CHURN
NPD

I want to launch the new product line

Fund tooling, first production run, and launch campaign for an adjacent demographic. New revenue without diluting the core range.
LAUNCH
TOOLING
HIRING

I want to hire the growth team before the next round

Lock in the senior performance marketer, growth lead, or head of brand before metrics need to be there for the raise.
TEAM
METRICS
CREATOR

I want to fund the creator and influencer program

Lock in talent, production, and campaign spend ahead of seasonal demand. Earned reach that compounds the paid stack.
UGC
EARNED
BRAND

I want to invest in brand to lift organic and direct

Fund the brand campaign, the creative refresh, the PR push. Lower paid dependence, lift contribution margin.
ORGANIC
MARGIN
SUPPORT

I want to build customer success before scaling subscriptions

Hire and tool up the CS team before subscription volume hits. Renewal rate is a CS investment, not just a product one.
RENEWAL
RETENTION
EXPANSION

I want to launch in a new state or region without raising

Fund the regional marketing, local partnerships, and inventory pre-positioning to enter a new market on your terms.
REGIONAL
LAUNCH

Why companies choose Tractor

A snapshot of what growing AU & NZ companies have actually done with Tractor capital.

"When you’re a startup, things are really difficult. You’re hustling for cash and customers, and trying to figure things out, and you don’t have a huge amount of time...

We used the Tractor loan to bring in people that had a lot of expertise and some industry experience, who could codify what was really successful about our sales process and products, so we could take things to the next level."
Alexandria Garlan, Co-Founder & CEO, SignOnSite
"There's money and then there's smart money. After one conversation with Matt and his team I knew tractor was the right partner for us. The team took the time to really understand our needs along with our goals, and made sure that they were able to help.

Our business is not unique, as we grow, our capital requirements also grow. Great problem to have, but still a problem. Knowing we've got a partner like tractor gives me comfort to put my foot on the pedal."

Tony Wu, Co-Founder & CEO, Weploy

Frequently Asked Questions

What revenue do consumer brands need to qualify? 🚜

We fund consumer brands doing $600k+ in annual revenue, or $50k+ MRR for consumer subscription apps.

What we really care about is the trajectory and CAC payback. If your unit economics work, we want to talk.

Can we use the facility specifically for paid ads? 🚜

Yes - paid acquisition is one of the most common uses of Tractor capital for B2C brands.

We'll structure something that lets you scale spend on what's working without waiting for next month's revenue to fund the next campaign.

How do you assess CAC payback for B2C funding? 🚜

We look at blended CAC, contribution margin per cohort, and how quickly the average customer pays back.

Different categories have different benchmarks - a subscription app and a single-purchase product won't be assessed the same way, and that's the conversation our Capital Strategists work through with you.

Do you fund app-based businesses with subscription revenue? 🚜

Yes - consumer subscription apps are a strong fit. MRR-based businesses with healthy retention and clear LTV are exactly the kind of brands we're built for

Can we use Tractor capital alongside our equity raise? 🚜

Absolutely - and many B2C brands do exactly this.

Use Tractor capital to hit the growth metrics that justify a higher valuation at the next raise. Smart capital stacking. It's a real thing. 🚜

storytelling

Helping Consumer Brands Scale

Tractor backs growing Australian & NZ B2C brands. Learn how other founders we've funded are using debt funding to grow faster (on their terms), without giving up equity to do it.