JPalmer Collective (JPC) announced the closing of a $3.5 million asset-based line of credit to Pangaea Holdings, a global brand builder focused on creating innovative and disruptive personal care brands for modern consumers.

Transaction at a Glance

• Borrower: Pangaea Holdings, Inc.
• Lender: JPalmer Collective
• Facility: $3.5 Million asset-based line of credit
• Use of Proceeds: Working capital, growth funding, and refinancing of existing debt
• Sector: Consumer / personal care
• Strategic Focus: Women-led, digitally native, omnichannel consumer brands

“Pangaea is building a portfolio of brands that are intentional, differentiated, and designed for today’s global consumer,” said Jennifer Palmer, founder and CEO of JPalmer Collective. “Their focus on brand positioning and scalable infrastructure aligns well with how we support growing companies. Our flexible structure gives them the ability to access capital when it matters most, lower ongoing debt costs, and stay focused on disciplined, sustainable growth.”

Pangaea Holdings develops and scales direct-to-consumer brands that solve real consumer needs through thoughtful product design, distinctive positioning, and global reach. The company focuses on building iconic, digitally native personal care brands, including Lumin and Meridian, that resonate with consumers, leveraging a proprietary global e-commerce platform and a data-driven brand development approach to reach international markets.

The financing will be used for working capital, to support continued growth, and to refinance existing debt,  providing Pangaea with increased flexibility as it scales inventory and expands its brands’ omnichannel footprint.

Pangaea chose JPalmer Collective for its flexible approach to debt and its understanding of what it takes to build and scale consumer brands. The facility gives the team room to adjust borrowing as inventory needs change, while staying aligned with the company’s long-term growth plans.

“Working with JPalmer Collective has been a true partnership,” said Ingrid Jackel, CEO at Pangaea Holdings.  "Their flexibility and understanding of how consumer brands grow globally made them the right fit for us. This financing gives us the room we need to scale responsibly while continuing to invest in the brands and products our customers love.”