Facilities from $750,000 to $5 million or higher
This inventory financing facility is ideal for e-commerce businesses that have a successful track record of online sales. It is designed to help them replenish their inventory.
Financing Options for E-Commerce
The program is also called a direct-to-consumer (DTC) facility. Options that can help an e-commerce business secure funding on existing inventory, buy new inventory, or borrow against their receivables and merchant accounts.
A direct-to-consumer loan, or “DTC," is for growing e-commerce companies that need more freedom than a traditional lender may offer. 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 need to borrow on its inventory, we can look at a facility solely on the receivables and merchant accounts.
Maximize Borrowing Availability
A DTC facility maximizes borrowing availability across inventory, accounts receivable, and your merchant cash flow. 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 e-commerce or retail sales transaction. Our DTC facility provides companies with additional cash flow by understanding the velocity of their credit card payments.
For the larger facilities, a direct-to-consumer financing structure may require more in-depth due diligence, on-site field exams, and possibly appraisals. The facility can avoid financial covenants on its DTC operations by concentrating on cash flow and collateral.
Direct-to-consumer facilities are designed for established and growing e-commerce businesses with annual sales volume starting at $10 million.
More Information
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