Before your busy season
Stock
Order next season's stock now. Sell it, then settle.
Funding for US e-commerce and retail brands
Funding shaped like your revenue.
We fund e-commerce and retail brands with our own money. Connect your bank. We see how your customers actually pay you, and match you to the funding that fits, from a cash advance to a line of credit.
$10k – $10m+
what we fund, in USD
- Our own money, no brokers
- Five products, matched to you
- Apply in 3 minutes, answer usually the same day
Who we work with
Built for
direct-to-consumer brands
Where we work
- United StatesEvery state where we can offer the product
- Selling anywhereYour customers can be wherever they are. We fund US-registered businesses.
Who we fund
How your customers pay you
decides the funding that fits.
Some brands are paid every day, in lots of small card payments. Others wait 30, 60 or 90 days on a handful of big retail orders. The way money reaches you decides which funding fits, so that is where we start.
Direct-to-consumer
You sell through your own store and the money lands daily in small pieces.
Cash advance · Line of credit
Marketplace seller
Amazon, eBay, TikTok Shop. You get paid on the platform's schedule, not yours.
Cash advance · Line of credit
Wholesale
You sell in bulk to retailers and big-box buyers, then wait 30, 60, 90 days to be paid.
Invoice financing · Extended payment terms
Bricks-and-mortar
Registers, foot traffic, and one season that has to pay for the whole year.
Cash advance · Extended payment terms
Our products
Five ways to fund your brand.
We'll match you to the right one.
Each one suits a different way of getting paid. We match you to the one that fits.
Merchant cash advance
Coming soonCash now, paid back as a share of your sales.
- Best for
- Brands with daily card or marketplace sales
- How you repay
- A set share of sales, so a slow week costs less
Read more →
Extended payment terms
Coming soonWe pay your supplier today. You pay us back up to 120 days later.
- Best for
- Stock you pay for months before it sells
- How you repay
- One agreed payment, on a date fixed up front
Read more →
Invoice financing
Coming soonCash now for invoices your retailers have not paid yet.
- Best for
- Wholesale brands waiting 30 to 90 days to be paid
- How you repay
- When your customer pays the invoice
Read more →
Line of credit
Coming soonA credit limit you draw on only when you need it.
- Best for
- Cash gaps that come and go through the year
- How you repay
- As you go. What you repay, you can draw again
Read more →
Long-term loan
Coming soonA fixed amount, repaid on a set schedule over a longer term.
- Best for
- Big one-off costs: equipment, a build-out, a new site
- How you repay
- Fixed repayments, the same every month
Read more →
Cash advance estimate
How much could
you get?
Move the slider to roughly what you sell in a month. This is an indication, not an offer. The real number comes from your bank.
We expect most advances to land between 1 and 2.5 times a month's sales. We price it once we have seen your bank, not before.
Monthly salesTrending up
This yearLast year
USD
$5k$2m
You could be looking at
$80,000 to $200,000
- Repaid from
An indication, not an offer. What it costs depends on your business and on which product fits, and we put that in writing before you sign anything.
Register your interestThree minutes from you. The rest is ours.
What do you sell?
Own storeMarketplaceWholesale
Monthly revenue
Under $25k$25k–$100k$100k+
Trading for
Under 1 yr1–3 yrs3 yrs+
Bands, not exact figures
Step 01 / 03
Answer a few questions
What do you sell?Who pays you?What's it for?
Read-only access
Checking account•••• 447112 months
Merchant settlement•••• 103212 months
Savings•••• 88209 months
Cannot move money · revoke any time
Step 02 / 03
Connect your bank. That's it.
Read-onlyOr send statementsUnhook any time
Company checks outActive, nothing filed
Where money comes fromMostly direct sales
Funding you're repayingOne found
Numbers add upStatements match
Step 03 / 03
We check, then you hear back
Company checks outWhere money comes fromFunding you're repayingNumbers add up
What it is for
Put it where it
earns the most.
We do not tell you how to spend it. These are the six moments when founders most often come to us, and the product that usually fits each one.
What you keep
- All of your equity
- Your board, as it is
- Every spending decision
When the numbers work
Ads
Scale the campaigns that are already paying back, instead of waiting for last month's cash to land.
When a retailer says yes
A big order
Take the order that is bigger than your bank balance, and sit out their 60-day terms comfortably.
Between the peaks
A quiet month
Keep payroll and suppliers paid through the slow part of the year, without cutting what works.
Usually fitsLine of credit
Ahead of the growth
Hiring
Bring in the person you need before the revenue that pays for them arrives.
When you launch
A new line
Fund the launch without draining cash from the products that already sell.
Register your interest
Get in the queue.
Five fields.
We are opening up to US brands one group at a time. Put your name down now and you are near the front when we do.
Just give us your website. We will find your company details ourselves, which is a fair summary of what we do all day.
Stop guessing what you'd get.
Trading business with real sales? Start here.
3-MIN APPLICATIONNO OBLIGATIONNO SALES CALL