Hybrid Loan Proposal - $15,000
About Tiyara
Tiyara is a conscious luxury fashion house based in Bali, creating ritualwear for modern temples. Each garment is crafted in small batches with sustainable fabrics using cotton, bamboo, linen, hemp, and ECOVERO™, and designed with sacred geometry, minimalist silhouettes, and timeless elegance.
Our clients are spiritually awakened, high-achieving women and modern couples who move fluidly between ceremony, travel, and business. Tiyara’s collections allow them to embody their truth, elegant enough for the boardroom, refined enough for ritual.
With consistent in-store sales, a growing online presence, and wholesale/retreat inquiries, Tiyara is now positioned to scale and opening a hybrid loan model to support growth.
Loan Structure
Total Investment: $15,000 USD
Breakdown:
— $11,000 Loan Component
— Repayment: 18–24 months
— Monthly payment estimate: $485–$610 (depending on term)
— Interest: negotiable (suggested ~6%)
— $4,000 Goods Component
— Converted into Tiyara clothing & jewelry, chosen from existing or custom pieces
— Valued at wholesale pricing (50% of retail) → $4,000 = ~$8,000 retail value
— Option to request custom fabrics or colour variations on selected designs
Use of Funds
— 40%: Inventory production of best-sellers and ceremonial capsule collections
— 25%: Marketing expansion (Meta Ads, Pinterest, SEO, influencer collaborations)
— 15%: Tech, packaging, and Shopify optimisation
— 10%: Events, activations, and brand collaborations
— 10%: Operational buffer for team and training
Upside for the Lender
✓ Dual return model: repayment of $11K loan + $8K retail value in luxury goods
✓ High-margin business with multi-channel revenue streams: in-store, online, wholesale, events
✓ Opportunity to own or gift Tiyara pieces (personal use or resale at full retail value)
✓ Low-risk, short-term loan tied to proven products and immediate demand
✓ Low risk repayment: balanced with tangible goods of higher market value
✓ Backing a brand in a fast-growing niche: sustainable luxury + spiritual fashion
✓ Alignment with global trends in conscious consumerism, ceremonial living, and wellness fashion
Risks & Mitigation
— Fashion seasonality → Tiyara produces seasonless, timeless collections
— Marketing ROI lag → sales diversified across store, online, and wholesale
— Production lead times → managed by in-house tailoring team for reliability
✦ 18-Month Repayment Plan (6% APR)
Monthly Payment: ~$640.55
Total Paid Over 18 Months: ~$11,529.90
Total Interest Paid: ~$529.90
|
Month |
Payment |
Principal |
Interest |
Balance |
|---|---|---|---|---|
|
1 |
$640.55 |
$585.55 |
$55.00 |
$10,414.45 |
|
2 |
$640.55 |
$588.48 |
$52.07 |
$9,825.97 |
|
3 |
$640.55 |
$591.42 |
$49.13 |
$9,234.56 |
|
4 |
$640.55 |
$594.38 |
$46.17 |
$8,640.18 |
|
5 |
$640.55 |
$597.35 |
$43.20 |
$8,042.83 |
✦ 24-Month Repayment Plan (6% APR)
Monthly Payment: ~$487.53
Total Paid Over 24 Months: ~$11,700.72
Total Interest Paid: ~$700.72
|
Month |
Payment |
Principal |
Interest |
Balance |
|---|---|---|---|---|
|
1 |
$487.53 |
$432.53 |
$55.00 |
$10,567.47 |
|
2 |
$487.53 |
$434.69 |
$52.84 |
$10,132.78 |
|
3 |
$487.53 |
$436.86 |
$50.66 |
$9,695.92 |
|
4 |
$487.53 |
$439.05 |
$48.48 |
$9,256.87 |
|
5 |
$487.53 |
$441.24 |
$46.28 |
$8,815.63 |
✦ Summary for our Hybrid Offer
— Loan Component: $11,000 (repayable in 18 or 24 months with manageable monthly instalments)
— Goods Component: $4,000 at wholesale (valued ~$8,000 retail, with option for custom fabrics/colours)
Why Now
Tiyara is at an inflection point: the brand has proven concept, a loyal audience, and consistent revenue. This $15,000 loan allows us to scale production and marketing at a pace that triples sales within 12–18 months, while building the foundation for larger investment rounds.
𓂀 Supporting this loan means investing in a movement, conscious luxury, sacred design, and the return of elegance as ritual.
This loan is a precursor to a bigger raise. See more information here.
>>> Full presentation <<<
𑁍 ♫ ♡ ☯︎