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Inventory-held, not drop shipping
Inventory-based eCommerce businesses often scale rapidly but operate with inconsistent infrastructure. These businesses manage capital-intensive supply chains and advertising spends, yet most rely on personal credit, quick-turn financing, or platform-based loans with rigid terms. Without formal credit structuring or institutional presentation, growth is often capped by fundability gaps — not opportunity.
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Common Painpoints
• Capital tied up in inventory cycles with limited liquidity • High-interest short-term financing (Shopify Capital, PayPal Working Capital, etc.) • Credit profile based solely on owner’s FICO, not business E.I.N. • Platform-driven lending that doesn’t build long-term credit strength • Inability to qualify for warehouse or logistics net terms
Vision For Success
An eCommerce operation with formal business credit, capital access beyond its selling platforms, and a financial structure built for institutional readiness. These businesses gain leverage by unlocking vendor net terms, lowering cost of capital, and structuring internal reserves — transforming chaotic growth into scalable infrastructure that banks and investors trust.
Solutions For
E-Commerce
E.I.N.-Based Credit Development
Many e-commerce brands operate like startups while taking on the risk of traditional retail. We help you establish credit under your E.I.N. — allowing access to vendor credit, net terms, and credit lines without relying on your personal score.
Cost of Capital Optimization
High turnover businesses often rely on short-term, high-interest capital. We help reduce cost of capital, restructure existing debt, and improve your financial profile to secure better terms.
Corporate Credit Compliance
Digital-first businesses often neglect documentation and filing standards that traditional lenders and vendors still rely on. We help ensure your public records, licensing, and credit reporting align with compliance expectations.
Capital Positioning & Fundability Readiness
Whether you’re launching new SKUs or scaling fulfillment, capital access needs to be proactive. We prepare your business to secure funding when it’s needed, without delays or denials.
Institutional Trust Building
From suppliers to banks to investors, perception matters. We help you present your business with the polish and readiness of a mature organization, even if you’re still in growth mode.
Ready for the Next Steps?
Take positive action towards measurable results within your business.
From Bootstrapped to Bankable
How a Home Goods Brand Secured $1M in Pre-Approved Capital Without PGs
An e-commerce brand eliminated personal guarantees, reduced financing costs, and positioned for $1M in institutional funding through credit foundation building.
Resources For Manufacturers
