Your ad budget is the only thing limiting your growth
ROAS is holding above target and every extra dollar of spend comes back with friends. The math says scale. The bank account says wait until the next payout.
Profitable ads you can't afford to run are just theory
You've found the thing every seller hunts for: a campaign structure that converts profitably at scale. TACoS is stable, the creative is working, and the auction has room. But ad platforms bill on their schedule and Amazon pays on its own — every two weeks, minus reserves. That gap is where growth goes to die.
Cutting spend to protect cash feels responsible. It's also handing impressions to the competitor who didn't cut. Ad auctions don't pause while you catch up — rank and share you give up in Q3 costs real money to win back in Q4.
The right capital here isn't a big lump sum. It's a structure that fronts the spend and gets repaid from the revenue that spend creates, so payments track performance instead of the calendar.
The structures that fit this moment
Honest pros and cons — none of these is right for everyone.Revenue-based financing
The natural fit for ad scaling: capital in, repaid as a slice of the sales it generates. If the campaigns slow down, so do the payments.
- Payments scale down when sales dip — no fixed monthly cliff
- No dilution, no board seat, no personal real-estate collateral
- Underwritten on store performance, not just your credit file
- –Flat fees can work out more expensive than a bank line if you repay fast
- –Remittance comes off the top of revenue — model it against your margins
- –Renewals are easy to fall into; treat each one as a new decision
Line of credit
Draw for the ad bill, repay on payout day, draw again. Cheapest option if your gap is timing, not total capital.
- Cheapest way to hold dry powder — pay only for what you draw
- Reusable: repay and the capital is available again
- Bank lines build a lending relationship that compounds over years
- –Bank lines want 2+ years of history and clean financials
- –Limits are often lower than what a big inventory buy needs
- –Variable rates move with the market — budget for the top of the range
What lenders will actually look at
No mystery underwriting. This is the review, in the open — so you know where you stand before anyone else does.
The questions sellers actually ask
How is this different from just putting ads on a credit card?+
Card limits rarely scale past low five figures, and carrying a balance at card APRs erases your ROAS edge fast. Purpose-built structures are sized to your revenue — often 1–2 months of sales — at costs designed for this exact use.
Will payments crush me if a campaign flops?+
With revenue-based structures, remittance is a percentage of actual sales — a bad month means a smaller payment, not a missed one. That said, the total owed doesn't shrink. We'll walk you through the downside case before you sign anything.
Do I need to hand over my ad accounts?+
No. Lenders look at revenue and spend data — read-only, usually through a platform connection or exported reports. Nobody touches your campaigns.
Is this an MCA?+
No, and we don't work with MCAs at all. Revenue-based financing from the lenders we match is transparent about total cost, doesn't stack, and doesn't come with daily debits calibrated to bleed you. If a term sheet smells like an MCA, we kill it before you ever see it.
What if I sell on multiple platforms?+
Better for you — diversified revenue reads as lower risk. Several of our lenders underwrite combined Amazon + Shopify + TikTok Shop revenue as one number.
See which lenders fit this exact situation.
Five minutes to a matched shortlist. No credit pull, no obligation.