Capital for retail and DTC brands.
Inventory purchase orders, marketing capital, and seasonal working capital — placed through lenders that underwrite Shopify, Amazon, and POS revenue alongside traditional credit.
Overview
Retail & E-commerce capital, structured for how operators actually work.
Retail and e-commerce operators move on inventory turns and marketing spend. Summit places capital with lenders that underwrite Shopify, Amazon, Stripe, and POS deposit data — sizing facilities to platform revenue rather than relying solely on tax returns and credit.
Industry Challenges
What we underwrite that banks won't.
Retailers carry months of working capital in inventory. Asset-based lending and PO financing unlock liquidity against on-hand and incoming stock.
Amazon holds funds, Shopify payouts vary, ad costs spike. Revenue-based lines flex with platform deposit cadence.
Q4 can account for 40%+ of annual revenue. Pre-season capital lines fund inventory and marketing ahead of demand.
Recommended Capital
Best-fit funding for retail & e-commerce.
Revolving capital for inventory and marketing. Draw before peaks, repay as sales convert.
Same-day capital sized to Shopify, Amazon, Stripe, and POS revenue. Approval in hours.
Borrowing base against inventory and receivables. Scales as the business scales.
Frequently Asked
Questions from retail & e-commerce operators.
Will lenders underwrite my Shopify or Amazon revenue?+
Yes. Several lenders directly connect to Shopify, Amazon, and Stripe to underwrite based on platform sales data — often providing approvals in under an hour.
Can I finance inventory before it ships?+
Yes. PO financing pays your supplier directly against confirmed customer orders. Common for importers and wholesale distributors.
Do I need profitability?+
Not for revenue-based products. ABL and term loans typically require demonstrated profitability or a clear path to it.
Next Step