Capital sized to your
Shopify, not your tax return.
Inventory POs financed before they ship. Revenue-based working capital underwritten on platform data. Pre-Q4 lines drawn before peak — placed through lenders that plug into Shopify, Amazon, and Stripe directly.
Pre-Qualify
Get indicative open a credit line terms.
60-second pre-qualification. No credit pull. A Summit advisor responds within one business day.
The Reality
Your data is your underwriting.
Connect the platform. Skip the PDF.
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.
The Inventory Math
$50K Q4 PO. Four ways it gets funded.
Inventory dollars are also payroll dollars. Both can't be the same.
Lender pays the supplier; you repay when invoices collect. 2–4% per 30 d.
65% advance on inventory value. Scales as you grow.
Sized to Shopify deposits. Daily remit until paid back.
Q4 inventory bought right is 40% of next year's revenue. Q4 inventory bought late is the difference between scaling and stalling.
Recommended Capital
The three structures DTC and retail operators reach for.
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.
From the Brand
What retail operators actually ask us.
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