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Skylight · B2C · digital family calendars and frames

Borrow from risk-tolerant lenders at 15-20% to buy holiday inventory, not raise VC

Stayed bootstrapped and profitable; paid 15-20% a year at times

Workedfinancing

What they did

Kept a weekly cash flow model early on, since inventory must be bought weeks ahead of Black Friday and COGS are ~50%. Grew 'fast, but not too fast' so lenders stay comfortable, and found lenders more risk-friendly than banks (which balk at 4x growth plans and unsellable connected-device inventory). Paid 15-20% annualized at times; traded gross margin for keeping ownership.

What happened

No equity raised; company remains bootstrapped and profitable.
“In the early days, I had personally a weekly cash flow model, because you could be at zero cash in the bank and then millions the next day, if the next day is Black Friday.”
Michael Segal
“And then finding lenders who are more risk friendly than a bank, but less expensive than debt.”
Michael Segal
“I would trade off gross margins all day long instead of selling a piece of the company.”
Michael Segal

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