Fashion Funds Flow
Finance That Fits Your Growth
Bridge the gap between goods paid and goods sold so you can stock boldly and sell faster—without strangling cashflow.
1. Know Your Need Before You Pick a Tool
| If you need… | Look at… | Why it helps |
|---|---|---|
|
Credit for your buyers (they pay later, you get paid now) |
B2B Buy Now Pay Later / net‑terms platforms | Win bigger orders by offering 30‑, 60‑, 90‑day terms at checkout while providers shoulder the credit risk. |
| Cash to buy inventory or run ads | Revenue‑based finance or embedded loans | Advance money based on sales data and repay as a slice of future revenue—no dilution, no fixed repayment. |
| Faster payment on issued invoices | Factoring / invoice‑finance | Upload invoices and get up to 90 % of their value within 24 h; the factor collects later. |
2. Quick Tour of the Main Options
B2B Pay‑Later Platforms
Platforms such as Hokodo, iwocaPay, Mondu or Billie integrate at checkout or via payment link, run real‑time credit checks and settle you in 1‑2 days.
Working‑Capital Advances
Wayflyer, Uncapped and Shopify Capital lend against projected sales. Repayments flex with turnover, so slow days don’t hurt.
Invoice Factoring
Need cash after shipping on 30‑day terms? Factris or aifinyo buy your invoice and pay you next day.
Embedded Loans / Credit Lines
Banxware or Kriya offer draw‑down lines perfect for bulk fabric buys or launching a new label.
3. How to Choose—in Three Steps
- Map your pinch‑point – Is it buyer credit, seasonal stock build‑up, or long invoice cycles?
- Match a provider – Use the comparison table below to filter by geography, product type and risk appetite.
- Run the numbers – Compare total cost (fees + discount), speed to funding, and any personal‑guarantee clauses.
4. Finance Partner Directory
Explore the providers below, click through for terms and eligibility, and run quick quotes—they won’t touch your credit score.
5. Typical Application Checklist
- Recent financials (P&L / balance sheet or tax return)
- E‑commerce or marketplace sales history
- Director ID & KYC documents
- Supplier or buyer invoices (for factoring)
- Bank statements (last 3–6 months)
Approval can be as fast as a few minutes (BNPL) to 48 hours (working‑capital loans). Funding often lands within the same week.
Ready to unlock your next growth spurt?
Scroll up, pick your finance partner and start scaling today. Need help integrating Pay‑Later or purchase‑order finance? Talk to us →
Nothing on this page constitutes financial advice. Always review individual terms and consult a qualified adviser before signing.