Industries · E-commerce & retail supply
Your cash is sitting in stock and in someone else's payout cycle.
Inventory is paid for up front, often to an overseas producer. Wholesale buyers pay on terms and marketplaces hold their payouts. We buy the invoices and approved payouts so the capital comes back into the business.
The problem
Growing a brand means buying inventory you have not sold yet.
Every growth cycle needs a bigger stock order, paid earlier, while the revenue from the last one is still working its way back through retailers and platforms.
Before the season
Inventory and freight
Producers want paying at production, and freight and duties land before a single unit is sold.
After delivery
Retailer and distributor terms
Wholesale buyers and retail chains pay on their own schedule, and it is rarely a short one.
Held back
Marketplace payout cycles
Platforms settle on a delay and hold reserves, so even a strong sales month is not cash in the account.
Your use cases
Where e-commerce and consumer brands lock up capital.
Every case below is funded the same way, by buying the invoice outright. Nothing changes in how you sell or who you sell to.
01 · Liquidity
Funding wholesale invoices
We buy the invoices raised on retailers and distributors for stock already shipped, returning the capital you spent producing it.
02 · Growth
Restocking ahead of demand
The next purchase order is placed before the last one has been paid for. Funding the ledger breaks that dependency.
03 · Retail
Landing a national retail account
A chain listing is a large order on long terms. Funding the resulting invoices makes it a win instead of a cash squeeze.
04 · Seasonality
Building for a peak trading period
Peak season stock is bought months early. Recovering cash from the current ledger pays for it without a loan.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
What it unlocks
What changes once the ledger is funded.
01
Stock funded by sales
Capital returns as soon as goods ship, not when the buyer finally settles.
02
Bigger purchase orders
Order at the volume that gets the better unit price.
03
Retail accounts you can serve
Long retail terms stop deciding which accounts you can accept.
04
Growth without dilution
Fund inventory from your own receivables instead of selling equity.
Who qualifies
What we look for in a business like yours.
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