Customer Capital.
A better way to grow.

How independent businesses unlock working capital directly from their own customers — no debt, no dilution, and a growing base of Regulars who keep coming back.

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www.numarket.co

ross@numarket.co

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The problem

Getting capital isn't easy.

The bank

High rates, long timelines, and requirements that don't fit most independent businesses.

Revenue financing

"Revenue-based" loans take a cut of every sale. A debt trap with a friendly name.

Credit cards

High interest rates that compound fast, with personal liability tied to your own credit score.

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The solution

Customer Capital: a new growth engine behind real small business.

Customer Capital is a model where your own customers give you working capital upfront — with no debt and no equity given up. In return, they get 20% more back in credits to spend over time.

For the business

Capital now from customers for the long haul.

Not crowdfunding. Not a loan. Not equity.

A commercial transaction where customers get more back than they put in. A standing relationship, not a one-time event.

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How it works · part 1

The buy-in window.

You go live on NuMarket and open your buy-in window — a one-month period when customers can buy in directly to your business.

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Go live

Your window opens on NuMarket. New and existing customers can buy in.

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Customers buy in

Customers put their dollars directly into your business. Buy-ins are final.

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You get capital & Regulars

You receive working capital upfront. Customers get 20% more back in credits to spend over time.

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How it works · part 2

Credits — 20% more back.

Customers get back 20% more than they put in, as credits to spend at your business. We send those credits to them gradually over time — so they keep coming back, month after month.

Buy in

A customer buys in during your window — say, $100.

Get more back

They receive $120 in credits — 20% more than they put in.

Spend over time

Credits arrive gradually over the months that follow, bringing them back again and again.

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Your customer base

Your Regulars & Members.

Regular

A fundamental part of your business.

Buys in, gets 20% more back in credits to spend over time, and keeps coming back all year.

Member

The inner circle of your business.

A Regular who buys in above your threshold. Eligible for benefits you choose to offer.

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What it looks like

A live NuMarket page.

Every business on NuMarket gets a dedicated page — discoverable, branded, and ready to take buy-ins when the window opens.

The Mushroom Shop

numarket.co/biz/themushroomshop →

Cochinita

numarket.co/biz/cochinitaco →

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Your customer capital

What could you unlock?

Avg. buy-in

$200

Customers buying in

150

Working capital unlocked

$30,000

NuMarket businesses have
unlocked over $200,000

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Who it works for

Built for brick & mortar,
repeat-purchase businesses.

Cafes &
Coffee Shops

Restaurants
& Bars

Fitness &
Wellness

Retail
Shops

Salons &
Barbershops

Specialty
Grocery

Personal
Services

Any business
with Regulars

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What NuMarket does for you

We create all your marketing.
You press send.

Email campaigns

Ready to send to your list

Social content

Ready to post across your channels

Print materials

Ready to hang in your space

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The long haul

Going live every year.
Year after year.

When your window closes, you're still listed on NuMarket. Your Regulars keep spending their credits — and at selected moments through the year, NuMarket invites them to top up.

On your anniversary, your window opens again. Your base of Regulars is larger. The capital grows. Most businesses go live with NuMarket every year.

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What happens next

What if a month from now, you got an email confirming thousands of dollars was headed to your bank account?

Get started