Inventory cycles don't wait for bank timelines. Stock up before peak season, bridge a slow month, or open a new location — revenue-based approval in days, no personal collateral.
These are illustrative examples based on realistic SMB funding patterns — not guarantees. Your actual range depends on your revenue, tenure, and credit profile.
Stocked up 6 weeks before Black Friday. Inventory turned before first repayment. Funded based on prior-year Q4 revenue.
Covered payroll and fixed costs during a post-holiday January dip while April inventory orders were already placed.
Lease deposit, fixtures, and initial inventory for a new storefront. No personal assets pledged — approved on store-level revenue.
Business name, email, funding need, monthly revenue. Soft pull only — no credit impact.
A real human advisor reviews your application within 24 hours and reaches out with questions or options.
Clear terms, no surprises. Review and accept the offer that works for your business.
Typically 1–3 business days after acceptance. No origination fees to pay upfront.
Soft credit pull only. A funding advisor reviews your file within 24 hours.
Seasonal retail is expected, not a red flag. We look at your trailing 6-month average and your prior-year comps. If your revenue pattern shows a predictable cycle, we can structure repayment around it — lower payments in slow months, faster paydown in peak months.
Yes. Inventory is the most common use case for retail funding. You don't need to identify specific SKUs upfront — the working capital goes into your account and you deploy it to vendors on your own timeline.
Yes. Combined physical + e-commerce revenue (Shopify, Amazon, Etsy, etc.) shows deposit volume and transaction velocity. Include those payment processor deposits in your bank statements and your advisor will review the full picture.
No. Revenue-based underwriting means we don't take liens on your inventory, equipment, or personal real estate. Your house is not part of this conversation.
Yes. A revolving line of credit is one of our product options and is often the best fit for retailers who have recurring inventory cycles. Draw what you need, pay back as products sell. Your advisor will recommend the right structure after reviewing your cash flow.
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