Ecommerce burns cash 90 days before it earns any: the PO, the freight, the 3PL receiving — then the platform pays out on rolling reserves. A revenue purchase funds the cycle so the flywheel never stalls. This is boutique funding: a person reads your file, not a scoreboard.
Factory deposit, balance before freight, customs, then two weeks of receiving. By the time the first unit sells, the cash has been gone a quarter.
The campaigns that fill next month's top line bill this week. Pause them when cash is tight and the algorithm forgets you — restarting costs more than continuity.
Rolling reserves, 14-day payout lags, arbitrary account reviews — marketplaces treat your revenue like their float, and they do not ask permission.
A bank cannot underwrite a business with no storefront, inventory in a 3PL it cannot inspect, and revenue flowing through platforms it does not understand. Two years of returns showing reinvestment losses seals the decline.
The cruel part: your dashboard shows better unit economics than most businesses the bank happily funds. Contribution margin, repeat rate, CAC payback — none of it fits their form.
Ecommerce deposits are data-rich: platform payouts, processor settlements, subscription rebills. We read the blended rhythm, advance against it, and remit weekly — so a slow week after you throttle ads costs less, and a viral week settles the purchase faster.
The play is usually inventory: fund the bigger PO that unlocks the volume discount and keeps you in stock through the spike. Stockouts kill ranking and momentum; the purchase is cheaper than either. Sharp terms, straight answers — that is the whole Cutting Cap model.
Six to eight weeks of sustained spend into a proven funnel — the difference between testing and actually scaling.
Fund the PO and freight for the order that cuts unit cost 20% and covers Q4 depth. Volume discounts are funding's best friend.
Launch the adjacent line your customers keep asking for, with real inventory and the fulfillment setup to match.
Yes — marketplace payouts count like any other deposit. We read your blended revenue across Amazon, Shopify, wholesale, whatever hits the account.
Spikes are fine — we underwrite the average and the trajectory. The weekly remittance is sized to your rhythm, so slow stretches automatically cost less.
Close cousin, different structure. Inventory financing lends against stock; a revenue purchase advances against your future sales with no lien on the goods. You spend it on inventory anyway — that is what most sellers do.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
