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● RBF · 48 hoursDTC apparel brand · LA, CA
“We needed $150K in inventory for a Black Friday push. Funded Tuesday, container shipped Thursday.”
Amount
$150,000
Use
Q4 inventory
Term
Weekly · 9mo
Inventory and ad-spend capital, sized to your sell-through.
Q4 inventory builds, Shopify and Amazon top-ups, brick-and-mortar holiday hires, the wholesale order that just landed. We fund retail with retail math.
What we fund
For DTC brands, multi-store, and omnichannel.
Typical deal shape
What a retail deal usually looks like.
Ranges are informative, not promises. Your file is your file — we size to it specifically once we see bank statements.
● INTERNAL EST. · TRAILING 12 MO
Funding range$10K – $500K
Typical speed to funding24–72 hours
Common deal size$45K
Across 1,830 retail and e-comm files. Smaller average — retail moves fast and reorders.
Products we usually pair
The capital shapes that fit this industry.
DTC brands lean on RBF (matches the daily Shopify deposit). Brick-and-mortar runs MCA off card volume. Wholesale-heavy brands add AR financing.
MCA01 / 03
Merchant Cash Advance
Repaid as a % of daily card sales. Slow days = smaller payments.
See product
RBF02 / 03
Revenue-Based Funding
Fixed weekly pulls from total revenue. Predictable, often cheaper than MCA.
See product
AR03 / 03
Invoice Financing
Turn unpaid invoices into cash in 24 hours. Best for B2B with NET terms.
See product
Questions
The ones we actually get asked.
Industry-specific answers — not generic boilerplate. Don't see yours? Drop us a line.
Do you work with Amazon-only sellers?+
Yes. Amazon settlement reports and your bank statements are usually enough — we don't need an Amazon Lending offer to compete.
What about Shopify Capital — should I just use that?+
Sometimes Shopify is the right call. We tell you when. We win when you need a larger line, faster funding, or fewer constraints on use.
Can you fund pre-launch inventory for a new SKU?+
If you have a sell-through history on adjacent SKUs, yes. Pure pre-launch with no revenue history is harder — usually a smaller test deal.
Do you fund brick-and-mortar only, or omnichannel?+
Omnichannel is our most common retail file. We blend card volume + Shopify deposits + wholesale AR into one underwrite.