Funding for Subscription-Box & Recurring-Revenue Brands

Yes. Recurring subscription revenue is exactly the kind of steady, predictable income funding is built around. We look at your monthly revenue and how long you've been operating, not whether it arrives as one big ticket or as thousands of small recurring charges. A box business billing card-on-file every month is a strong fit, you apply once and we match you to the funding you qualify for.

Recurring revenue works in your favor. The amount you qualify for depends mostly on your monthly revenue and how long you've been in business, not on a single credit score. A predictable subscriber base that bills every month is the kind of cash flow that supports funding well, which is part of why recurring-revenue businesses are a natural fit.

Yes. Acquisition is one of the most common uses. A subscription box has to spend cash to acquire a subscriber through paid ads, influencers, and intro discounts, all before that subscriber earns back what they cost over their lifetime. Working capital funds that acquisition spend so you can keep the engine running through the months it takes a new cohort to mature, instead of throttling growth every time cash gets tight.

Yes, this is a core use. A box is curated and assembled in advance, so you negotiate and often pre-pay suppliers, print custom packaging, and assemble boxes for an upcoming month before you know exactly how many subscribers will renew or how many gift orders will land. Gifting and Q4 make that the largest inventory and packaging commitment of the year, placed weeks ahead of the revenue. Working capital funds that buy ahead of the renewal and gifting income.

We fund your business, not your subscribers. Our capital goes to your company, for the cash it takes to acquire subscribers, buy and ship inventory, and ride out gifting-season swings. It is not consumer or customer financing, we don't lend to your subscribers or finance their box payments, and it is not a buy-now-pay-later, billing, or churn-recovery product. You run whatever billing stack you choose, we fund the business's own cash-flow gaps.

Churn is normal in this model and doesn't disqualify you. McKinsey research found nearly 40 percent of e-commerce subscribers cancel, with more than a third gone within three months and over half within six, so continuous acquisition is just part of how a box business runs. What we look at is your overall monthly revenue and time in business. Funding actually helps here, it lets you keep acquiring through the churn so the customer base stays healthy instead of shrinking when cash is tight.

Yes. Gifting and the Q4 holiday rush force the year's largest inventory and packaging commitment weeks ahead of the revenue, often followed by a January cancellation wave. A business line of credit fits that rhythm well: you draw on it to fund the pre-season buy and acquisition push, then repay as the holiday and renewal revenue lands, and redraw the next year. Revenue-Based Financing, which flexes repayment with your sales, is another option for a seasonal swing.

Both work, and which fits depends on how you spend. A term loan, our working capital, gives you a lump sum up front, good for a defined acquisition push or a big seasonal inventory buy. A business line of credit is revolving: you draw to fund the next cohort and the next month's boxes, repay as recurring revenue lands, and redraw, which maps cleanly to the cyclical, draw-now-repay-when-paid nature of the model. You don't have to choose up front, we'll match you based on how your cash actually moves.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason subscription brands choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after the acquisition window or the gifting-season buy has passed.

Most subscription brands we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. There's no tighter threshold for a subscription business, recurring revenue counts toward that just like any other sales. Your monthly revenue and operating history matter more than a perfect credit score.

Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward. All credit profiles are considered, your subscriber base and day-to-day revenue matter more than a single credit score.

Most subscription brands start with working capital, it's the flexible, fast path you can put toward acquisition, inventory, packaging, or a seasonal ramp, with a straightforward repayment structure. Revenue-Based Financing, where repayment flexes with your sales, can suit a business with a strong seasonal swing, which is why it's on the menu. The best move is to apply once and let us match you to the structure that fits how your recurring revenue actually flows.