JPalmer Collective Provides $3.5 Million Asset-Based Line of Credit to Pangaea Holdings

Financing supports Pangaea's portfolio of digitally native personal care brands, including Lumin and Meridian, and reinforces JPalmer Collective's focus on women-led consumer companies

NEW YORK – May 12, 2026 – JPalmer Collective (JPC), an asset-based lending (ABL) firm focused on women-led and high-growth consumer brands, today 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.”

The transaction is meaningful for JPC as it continues to expand its portfolio of women-led businesses by providing customized capital solutions that adapt to the needs of fast-growing consumer companies.

About JPalmer Collective

JPalmer Collective is a specialty asset-based lending (ABL) firm providing customized commercial finance solutions to high-growth companies that fall outside traditional lender criteria.

Founded in 2023 by Jennifer Palmer, a commercial finance veteran, former president of Secured Financial Network (SFNet), and an Inc. Female Founders 2026 honoree, JPC delivers white-glove service and a consultative approach to women-led businesses, high-growth consumer brands, and companies focused on conscious consumers, sustainability, and inclusivity. The firm is a leading voice on women’s access to capital and on financing strategies for emerging consumer and good and beverage brands. Learn more at jpalmercollective.com.

About Pangaea Holdings

Pangaea Holdings, Inc. is a modern personal care company building innovative, disruptive, and iconic skincare and grooming brands. As the parent company of Lumin and Meridian, Pangaea creates category-defining products that prioritize performance, accessibility, and self-expression for today’s consumers.

Founded with a digital-first mindset, Pangaea has scaled from direct-to-consumer roots into a global, omnichannel business. Its products are available online, on Amazon, and through major retail partners worldwide, driven by continuous product innovation and strategic brand building.