Cosmetics Company Seeking Loan in Sea Girt, USA

Top-selling products:
1. Rejuvenating night face cream – deeply hydrating, anti-aging formula used nightly.
2. Glimmer tanning oil with colloidal gold – gives a radiant, sun-kissed glow; used pre-sun or for shimmering skin.
3. Firming & toning body cream with retinol – smooths and tightens skin; used daily by those targeting firmness.
4. Waterless cleansing face milk – gentle, residue-free cleanser ideal for sensitive skin; used in morning/evening routines.
5. Herbal hair mask with probiotics – strengthens and nourishes hair; used weekly for repair and scalp health.
Who uses them:
• Health-conscious women ages 25–55.
• Skincare enthusiasts seeking clean, vegan, and cruelty-free alternatives.
• Eco-conscious shoppers and sensitive skin sufferers.
• New moms, vegans, and animal lovers avoiding harsh chemicals.
How they use them:
• As part of a daily skincare ritual.
• During self-care nights or spa routines at home.
• Before events or vacations for that healthy, glowing skin.
• For consistent skin and hair maintenance, using honest, safe ingredients. Tangible assets:
1. Product inventory – Finished goods, raw ingredients, and packaging materials.
2. Equipment & tools – Small-scale production tools, mixers, storage units, labeling machines.
3. Business supplies – Shipping materials, containers, marketing collateral.
4. Office equipment – Laptop, printer, phone, and any devices used in daily operations.
5. Photography & content materials – Branded visuals, product staging props.
6. POP displays/signage – If applicable for retail partners or events.
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Intangible assets:
1. Brand name & trademark – A recognized, trusted brand.
2. Product formulas – Proprietary, founder-developed skincare formulations.
3. Website & domain – E-commerce site and branded domain name.
4. Social media accounts – Instagram, Facebook, and other platforms with engaged audiences.
5. Customer list & email database – Current and past customer contacts, subscriber list.
6. Retail & supplier relationships – Established wholesale accounts and sourcing partners.
7. Brand reputation & reviews – Positive customer testimonials and online feedback.
8. Marketing content – Original copywriting, product descriptions, photography, and ad creatives.
9. Goodwill – Customer loyalty, founder credibility, and community trust in the mission. The business currently operates from a dedicated production and fulfillment space with approximately 1,200 sq. ft. of built-up area. The facility includes two floors — the ground level is used for batching, packaging, and inventory storage, while the upper level houses office space for administrative work and marketing operations. The space is leased under a long-term rental agreement, allowing flexibility for scaling operations as the business grows. All products are handcrafted in small batches in a clean, organized, and climate-controlled environment to ensure product integrity and quality. The business is currently 100% self-funded with zero debt and no outstanding loans. There is 1 owner and shareholder, holding 100% ownership of the brand.