Capital for Shopify, Amazon FBA, DTC brands, subscription, and digital-first retailers.
$1.1T U.S. e-commerce market — top sellers reinvest 30%+ of revenue back into ads & inventory
You're running $5K/day Meta ads at 4.1× ROAS. Math says push to $15K/day and net an extra $40K/month profit. Problem: the new SKUs cost $140K to land in the warehouse, your supplier wants 50% upfront, and Amazon is holding $62K of your money. You're either capping growth or going to consumer credit cards at 24% APR.
Inventory financing wires $140K to your supplier this week. Containers ship on schedule. You scale ad spend to $15K/day. November revenue jumps 76% YoY. The financing repays itself by mid-January, in time for the next reorder cycle. You skip the credit card spiral entirely.
If 2+ of these sound familiar, you don't have an operations problem — you have a capital problem.
You sold $84K last week. Amazon releases funds Tuesday. Alibaba supplier wants 50% on order, 50% on shipment. You can't reorder until Amazon settles — meaning you go out of stock during your hottest week.
Meta returns 4.1× on $5K/day. You'd 3× the business if you ran $15K/day. Cash on hand: $42K. The math is obvious; the capital is missing.
$140K container, $32K freight, $18K duties — paid 60 days before product hits your warehouse, 90 days before it sells through.
Suppliers offer 18% volume discount if you commit to Q4 inventory in August. You either lock in the margin now or pay full price + airfreight in November.
January returns are $40K of unbudgeted refunds. Cash flow that you'd planned to use for Q1 inventory just disappeared.
This is what e-commerce owners do with Pincutt funding — and what you'd do too.
Working capital that fills the Amazon, Walmart, eBay, and Shopify Payments hold period — keep your reorder cycle uninterrupted.
Revenue-based financing tied to your top-line — capital that flexes with your sales velocity.
Inventory financing aligned to seasonal cycles — buy in August, sell through in December, repay in January.
Capital to pay overseas suppliers, freight forwarders, and customs without crushing your bank account.
Working capital reserves that absorb the January return wave without disrupting Q1 launches.