Payability

Founded in 2015, Payability has established itself as a pioneering fintech company focused exclusively on solving cash flow challenges for e-commerce marketplace sellers. Unlike traditional lenders who primarily serve brick-and-mortar businesses or evaluate traditional metrics like credit scores, Payability has built its business model around the unique financial dynamics of online marketplace sellers, particularly those operating on Amazon, Walmart, Shopify, and other major platforms. The company recognized a critical gap in the financial services landscape: while e-commerce businesses often generate consistent sales, marketplace payment terms frequently delay access to earnings for 14+ days, creating significant cash flow constraints that limit inventory purchasing, marketing efforts, and overall growth. Payability's innovative approach analyzes marketplace account health, sales performance, and customer metrics rather than personal credit history to provide financing solutions tailored to the e-commerce business model.

What distinguishes Payability in the financing landscape is their exclusive focus on e-commerce sellers and their alternative underwriting methodology. Unlike traditional banks and lenders that concentrate on personal credit scores, lengthy operating history, and collateral, Payability evaluates sellers based on their marketplace performance data, customer reviews, inventory management, and other e-commerce-specific metrics. This approach allows them to serve sellers who may not qualify for traditional financing but have healthy, growing online businesses. Additionally, Payability offers same-day or next-day funding—a stark contrast to the weeks or months required for traditional business loans—making them uniquely responsive to the fast-paced inventory and marketing needs of online retailers. Their financing products are structured specifically for marketplace dynamics, with options that either advance future earnings or provide immediate access to pending payouts, all without creating traditional debt obligations that appear on personal credit reports.

Payability offers several financing products tailored to different e-commerce seller needs. Their flagship "Instant Access" provides next-day transfers of marketplace sales, eliminating the typical 14-day delay from platforms like Amazon, with fees typically ranging from 1-2% of sales volume. "Instant Advance" provides larger capital injections of $10,000 to $250,000 based on projected sales, charging a flat fee rather than an interest rate, typically 1-3% monthly depending on risk factors and advance size. Both products require sellers to have at least 90 days of selling history with minimum monthly sales of $10,000 (though this threshold can be lower for some marketplaces). Unlike traditional loans, Payability's approval process is notably fast, often completed within 24 hours after connecting to marketplace accounts, with funds available as quickly as the next business day. For e-commerce sellers facing the common challenge of delayed marketplace payments or needing quick capital for inventory purchases without the constraints of traditional financing, Payability offers a specialized alternative that aligns with the unique cash flow patterns of online retail businesses.