Funding Built for Direct-to-Consumer Brands

Yes, this is the most common reason DTC brands come to us. Paid acquisition is fronted entirely up front: you're charged for the ad spend, creative, and agency fees today, but the gross profit from the customers those dollars acquire arrives over the following weeks to a few months. Working capital funds that float so you can scale acquisition without draining the account or starving inventory and payroll. You can put the capital toward your ad and marketing budget, not just inventory.

We fund owned-store DTC brands regardless of platform. Whether you run Shopify, WooCommerce with Stripe or PayPal, or another owned checkout, you qualify. We look at your sales and processing volume, not your platform. Because you control your own checkout, your card revenue settles fast (Shopify Payments pays out in roughly 3 business days in the US), so the cash gap we fund is on the front-loaded ad-and-inventory side, not the collection side.

Yes. That gap is the defining DTC cash-flow problem. Owning your checkout means you collect revenue fast, but growth is self-funded: you front the ad spend and the inventory before the revenue and the return on that ad spend come back. The faster you grow, the deeper the hole, because doubling next month's revenue means roughly doubling this month's ad outlay first, out of pocket. Working capital bridges that float so growth doesn't come down to what's in the bank today.

Yes. A product drop or a peak-season scale-up requires buying and paying for inventory ahead of the sale, often imported and deposit-up-front with overseas suppliers. Working capital lets you place that inventory order and ramp before the revenue lands, which is exactly when the front-loaded cash need is largest, heading into Black Friday and Cyber Monday.

Yes, and that double squeeze is a big reason brands come to us. A launch or peak-season push requires buying the inventory ahead of the sale and simultaneously loading the ad budget to actually move it. Both come due before the revenue lands, so the combined need is far larger than either alone. A brand that nails the product can run out of cash precisely because it's growing: it buys the stock, then can't afford to advertise it. Working capital funds both sides at once.

Monera is a flexible working-capital funding partner, not a marketplace-tied or platform-locked product. Your funding isn't capped by, or repaid as a fixed cut of, one channel, and it isn't restricted to Shopify-store brands, WooCommerce and other owned stores qualify too. Whether you can hold a platform advance alongside Monera funding depends on your situation, so apply and we'll review it with you.

No. We fund your business, not your shoppers. We do not provide consumer or buy-now-pay-later financing for customers at checkout, that's Affirm, Klarna, or Shop Pay Installments, a different product. Monera gives the brand flexible working capital to scale its own ad spend, creative, and inventory. How you offer payment options to your buyers stays entirely with you.

Yes. DTC revenue is pronounced and lumpy, heavy in Q4 and the holiday season, plus self-created spikes around product launches and promotions, with thinner months in between. We're used to that shape and look at your overall sales performance, not a single calendar month. Most brands we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue.

Most DTC brands we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue, and all credit profiles are considered. Because DTC is asset-light with no hard collateral, we underwrite on your sales, deposits, and card-processing volume, not on your assets. Your recent revenue and day-to-day performance matter more than a perfect credit score.

Approval typically comes within 4 to 8 hours, with funds following shortly after, so you can load inventory and ad spend ahead of the Black Friday and Cyber Monday push. That speed is the main reason brands choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, often past the window you were trying to fund.

It can be either, and you don't have to choose up front. You apply once and we match you to what you qualify for. Working capital and a business line of credit are the most common fit for DTC and are where most brands start. Revenue-based financing is also available, with repayment that flexes with your sales, easing off through the thin off-peak months instead of holding a fixed payment.

Funding can bridge the gap while you adjust, though it isn't a fix for costs we don't control. Two costs are climbing at once: the cost to acquire a customer keeps rising, and the landed cost of goods is under pressure, the Federal Reserve's 2025 Small Business Credit Survey found tariff-related cost challenges most prevalent in retail at 69 percent of firms, and most DTC product is imported. When acquisition gets more expensive and cost of goods rises faster than you can reprice, the margin that funds your next ad dollar shrinks. Working capital bridges launches while you reprice or re-source.