Shopify, Amazon, and Stripe all want to be your lender. Here's the alternative.
Partner network: ecommerce-specialist capital from $10K to $20M+, underwritten on your full multi-channel picture.
Ecommerce runs on two purchases that always come before the revenue: inventory and ads. Platform-native capital (the offer sitting in your Shopify or Amazon dashboard) is the convenient answer — one click, money tomorrow. Convenient is not the same as cheap, and it's definitely not the same as flexible.
Our ecommerce partners fund inventory buys, ad-spend scaling, and bridge-to-peak-season working capital based on your whole business — every channel, every account — not just the sales one platform can see.
The dashboard offer quotes a "fee," not a rate — say, borrow $50,000, repay $56,500. Sounds like 13%. But because remittances come out of every sale starting immediately, the average life of that money is often just 4–6 months — pushing the effective APR into the 25–40% range. And since repayment is deducted before payouts hit your bank, your operating cash flow tightens exactly when you're trying to grow. It's not a scam; it's just expensive money marketed as convenience. Know the real number before you click accept.
Platform capital sees one store. If you sell on Shopify and Amazon and wholesale, each platform underwrites a fraction of your business — and prices you like a smaller company. Our partners aggregate the full picture: all channels, your true inventory turns, your blended margins. Bigger visible business, better terms. Sellers doing $1M+ across channels are the most systematically underpriced borrowers in ecommerce.
| Amount | $10,000 – $20,000,000+ |
| Products | Inventory financing · working capital · revenue-based structures |
| Speed | Offers commonly within 24–72 hours |
| Underwriting | Multi-channel revenue, inventory turns, unit economics |
| Repayment | Fixed or revenue-scaled — not forced platform garnishment |
Four months of bank statements, EIN and ID, and channel revenue exports (Shopify, Amazon Seller Central, Stripe). Inventory financing: add your top-SKU cost sheet or supplier invoice.
No fees to you. Lender-paid referral — your margin stays yours. Ecommerce-literate partners. Underwriters who understand ROAS, turns, and seasonality instead of penalizing them. Track record. 50,000+ businesses funded, $5B+ facilitated, since 2007.
Apply now — no fees from us, no impact to your credit for a quick prequalification, and a real lending partner on the other side of the click.
Apply Now