# Seeking $167,000 in Private Debt Financing | Established Florida Pet Retail Business **MCA Refinancing | Working Capital | Business Stabilization** I am seeking **$167,000 in private debt financing** from a family office, private credit fund, or direct lender for Patriot Pets & Supplies, an established independent pet retail and grooming business in Cape Coral, Florida. I acquired the business in January 2026 and have since implemented several initiatives designed to modernize operations and expand revenue opportunities, including a new e-commerce website, operational systems, DoorDash and Uber delivery channels, and digital marketing. Despite these improvements, monthly sales have declined from approximately $32,000 to $16,000, creating short-term cash flow challenges. We are seeking financing to restructure existing obligations and provide sufficient liquidity to navigate the seasonal slowdown while our growth initiatives develop. **Use of Funds:** - **$75,000:** Consolidate and pay off three existing Merchant Cash Advance (MCA) obligations. - **$92,000:** Working capital for inventory, payroll, rent, vendor obligations, and business stabilization. **Preferred Financing Structure:** - $167,000 private term loan. - Negotiable interest rate and repayment terms. - Preferred initial interest-only period. - Structured monthly payments. - No SBA financing. Our objective is to eliminate the pressure of high-frequency MCA payments, strengthen liquidity, stabilize operations, and position the business for sustainable growth. We welcome discussions with family offices, private lenders, and alternative credit providers interested in financing established small businesses. Financial statements, MCA payoff information, and a business stabilization plan are available for qualified lenders. **Direct lenders preferred. No SBA financing.**