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Direct to Consumer (DTC). Financing options designed for E-commerce businesses seeking funding for inventory, or on their receivables and merchant accounts.  A Direct to Consumer Loan “DTC or ECommerce” is for growing businesses that need more freedom than a traditional Asset Based Loan “ABL” structure by leveraging their retail, merchant and e-commerce cashflow.

Direct to Consumer product advantages:

• Growth Orientated Capital for consumer focused brands
• Asset Based Loan on inventory
• Leverage merchant and e-commerce receipts
• Leverage accounts receivables
• No A/R to inventory ratio for well supported companies
• Non-Dilutive capital without any warrants

This Direct to Consumer product will be structured as an inventory loan with an optional accounts receivable or merchant account facility, however, if the business does not have the need to borrow on its inventory, we can look at a facility solely on the receivables and merchant accounts.

A DTC facility maximizes borrowing availability across inventory, accounts receivables and your merchant cashflow. Our Direct to Consumer facility will take into account the value of your inventory, along with your monthly credit card sales. Those credit card sales could be through an ecommerce or retail sales transaction. Our DTC facility provides companies additional cashflow by understanding the velocity of their credit card payments.

A Direct to Consumer facility may result in increased due diligence, on-site field exams and possibly appraisals for the larger facilities. The facility may remain free of financial covenants on its DTC facilities by focusing on the cashflow and collateral.

Direct to Consumer facilities are designed for established and growing e-commerce businesses with annual sales volume starting at $10 million. 

For more information, please complete this SHORT FORM, the affiliate office that handles your area will contact you shortly.

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