E-commerce

Ad spend goes out before revenue comes back. That's a cash-cycle problem, not a credit problem.

Funding sized to your online processing and deposit history.

Typical time from submission to funding: 24–72 hours

Why e-commerce use funding

The cash-flow patterns we see in this industry.

Inventory has to be purchased and often sits for weeks before it converts to revenue.
Ad spend scales upfront and only pays back after conversion — that gap is the whole game.
Seasonal inventory buildup can require 60–90 days of cash out before Q4 sales come in.
Online processing and deposit history read cleanly in underwriting — it's already in the data.

What you can use it for

How it works

Six quick questions. About two minutes.

For e-commerce, we read Shopify, Stripe, and bank deposits together to get a full picture of the sales cycle.

Typical timeline: 24–72 hours from clean documents to funds.

Common questions

＋Do you fund Amazon-only sellers?

Yes — Amazon deposit patterns are readable in underwriting the same way Shopify or Stripe are.

＋Can I use this to scale a paid ad campaign?

That's a common use case, especially for campaigns with proven return.

＋What if my revenue is seasonal (mostly Q4)?

Common in e-commerce. We look at the annual picture, not just the last month.

Six quick questions. Real numbers back. No sales pressure.