A use of funds table shows a lender precisely how you'll spend their money. Vague asks get declined; a clear, percentage-based plan that scales gets funded.
Interactive use-of-funds allocator
Based on the FactorDrones plan: 65% inventory, 15% working capital, 8% facility, 7% marketing, 5% fees/reserve. Move the slider to size the raise.
What each bucket buys
- Inventory & trade-in payouts (65%) — the engine: tested pre-owned stock to resell and consignment payouts. This is what actually generates revenue.
- Working capital (15%) — shipping, processing, and a cash cushion through the ramp when you're buying faster than you're selling.
- Facility setup (8%) — one-time testing bench, shelving, and security for a small flex/warehouse space.
- Marketing & platform (7%) — SEO, paid acquisition, and site/marketplace integration to drive qualified traffic.
- Fees & reserve (5%) — loan origination/closing costs plus a small contingency.
Translating this to a spray operation
A drone-spraying startup reshapes the same buckets: the big line becomes aircraft & batteries instead of resale inventory, plus certification & insurance, a truck/trailer field rig, working capital for chemicals and travel, and a reserve for weather-driven downtime. The discipline is identical — every dollar assigned a job.
Allocation from the FactorDrones "Use of Funds" model, which scales automatically across the $50k–$150k request range. Educational only.
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