Facilities from $750,000 to $5 million or higher
This inventory finance facility is designed for an e-commerce business with a successful track record of online sales. Replenish your inventory with solutions tailored 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 “DTC" is for growing e-commerce companies that need more freedom than a traditional lender may not 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.
A DTC facility maximizes borrowing availability across inventory, accounts receivables, 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.
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 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.
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