Inventory capital that stays with you.
Purchase inventory and fund growth against sales we can see on your Shopify, Amazon or Stripe. $5k to $500k, priced in writing, repayment terms weekly. Our capital is not from a bank, so no bank can pull it mid-season.
- $5k–$500k
- 1–180 days
- Weekly repayment
- No personal guarantee
What we finance
Inventory, ads and the payout gap with your marketplace.
How it works
The funding process.
Connect your store10 mins
Shopify, Amazon, WooCommerce, Stripe. We get read-only access to your dashboard and verify revenue directly from the marketplace to underwrite.
Read your offer48 hours
The rate, payment terms, and conditions. If it doesn't work for you, our offer will clearly say so.
Draw when the PO needs itsame day
Conditional on the sales visible on your dashboard. Draw what the order or ad campaign needs, as and when needed.
Repay weeklyfixed
A fixed weekly amount as repayment. No daily sweeps that stunt your growth. Only repay when revenue exists.
What it costs
A rate, not a “fee.”
A 10% fee sounds like 10%, but depending on how fast you pay, it can go up to 60%. Fees punish good businesses. We quote a simple annual rate and show the total in dollars before you sign. No origination fee, no cost for unused credit lines.
If you can get a bank line, take it; it's cheaper than us. Most founders in the space can't. We're built for them.
Where the money comes from
Nobody can freeze your line.
Most inventory lenders borrow from a bank. When bank capital tightens, their credit lines get pulled, which leaves no capital for your business at crunch time. BitRepo has no bank above us. Our capital comes from Bitcoin holders who post their own collateral and lend against it. No season can affect your facility.
Who's underwriting you
Built by people who've done this before.
- Thomas Hepner Founder & CEO Built credit infrastructure that has processed $2.5B+ in loan originations and repayments. Our story
- Srijith Padmesh Co-Founder and Head of GTM GTM at Reclaim Protocol and Aztec, selling zkTLS verification to fintechs and lenders so they could underwrite better. contact@bitrepo.xyz
Questions borrowers ask
Straight answers.
Who qualifies?
Only US entities with US bank accounts on marketplaces like Shopify, Amazon, WooCommerce or Stripe, with 6+ months of sales and $10k+ a month in revenue.
Will my line still be there next quarter?
Yes, unless your offer says what would change it. No bank above us can pull our funding, so we can't pass that on to you. If anything about your facility is going to change, you'll know why, in writing, in your offer.
What does it cost?
A simple annual rate, quoted per facility and shown in dollars in your offer before you sign. No origination fee, no fee for not drawing, no subscription.
Do you take a percentage of my daily sales?
No. Stock and ad facilities repay a fixed weekly amount you see in your offer before you sign. Marketplace float repays when the payout lands. Nothing is debited before the revenue exists.
What happens in a slow month?
The cost is fixed at signing; if sales are slow, the term extends and the total doesn't change. We don't add fees for slow weeks.
Do I sign a personal guarantee or a lien?
No personal guarantee; your house and personal credit aren't part of this. There is a lien on the inventory the facility funds, not a blanket lien on the business, and it's released when the facility is repaid. It's in your offer.
Why would you say no?
Because the math doesn't work for you. If the margin on the stock, after our cost and the turns, doesn't leave you ahead, funding it makes your business worse. We'd rather tell you.
Do I need to know anything about crypto?
No. You never touch it. Dollars in, dollars out, a US entity on the agreement. Your terms don't move even if Bitcoin's price does.