OpsX members access revenue-based financing — up to $20M — with no personal guarantees, no collateral, and terms structured around how eCommerce actually works. Your home is not the price of growing your business.
If you've ever applied for a bank loan to fund inventory or a marketing push, you already know the feeling. Weeks of assessment, a credit committee that doesn't understand your model, and a clause asking you to put your personal assets on the line — for a business that has already proven itself.
Banks routinely require founders to personally guarantee business loans — your home, savings, and personal assets become collateral for a company that exists entirely separately to you. It is a position no serious operator should have to accept.
A product demanding the same monthly payment regardless of whether you've had a record month or a quiet one was not designed for eCommerce. Your cash conversion cycle has rhythm. Your repayments should respect it.
Six-week approval timelines decided by underwriters who have never managed a supplier relationship or a paid media account are not fit for purpose. When an inventory window closes, it closes.
If you can't face the bank, the next option is often giving up equity — permanently trading ownership for a cash bridge you'll repay through your own growth anyway. There is a better structure available.
Founders building serious brands shouldn't have to choose between risking their personal assets and diluting the business they built.
Our growth capital partner assesses your business on what it actually generates — your revenue — not what you personally own. You receive a capital advance and repay a fixed percentage of daily sales until the balance is cleared. When sales are strong, it clears faster. When they're quieter, you pay proportionally less.
There is no fixed monthly obligation working against an uneven cash flow. There is no collateral clause. There is no equity dilution. Just working capital that operates in step with your business, not against it.
Our partner reads your store data in read-only access — Shopify, Amazon, your ad accounts — and builds a tailored offer from actual performance. Decisions in 24–48 hours. Capital in your account the same day you accept.
Assessment is based entirely on your company's revenue and trajectory. Your personal balance sheet, your home, your savings — none of it enters the equation. The advance is assessed against the business, not the founder.
A single fixed fee — typically 5–10% of the advance — agreed before you proceed. No compounding interest, no variable rates, no hidden charges. You know the full cost before you accept.
Every customer receives complimentary access to analytics tools — connecting ad spend to revenue outcomes so the capital you deploy is measured and accountable from day one.
Our growth capital partner has been deploying capital to eCommerce businesses since 2019. These are not projections.
Across thousands of eCommerce and DTC brands in the US, UK, Australia and beyond.
From accepted offer to capital in your account. Often the same day terms are agreed.
Based on verified customer reviews — consistently rated for transparency and responsiveness.
Funding from $5,000 to $20M, structured to scale with your business at every stage of growth.
Our growth capital partner is an OpsX partner. That relationship exists because the profile of an OpsX member — a scaling retail or eCommerce operator who takes their operations seriously — is exactly who they were built for. That alignment creates real advantages for members who apply through the platform.
OpsX does not charge members for access to partner services. The partner arrangement means we have agreed terms that benefit members at application. When you apply via OpsX, your referral is recognised and the member advantage is applied automatically — no separate code or process required.
The process is designed to be fast and low-friction. Most members receive a funding offer within 48 hours of connecting their store data.
Access the application via your OpsX member portal. This ensures your member advantage is applied and your referral is recognised from the outset of the process.
Our partner connects to your Shopify, Amazon, or DTC platform data in read-only mode. No spreadsheets, no accountant sign-offs at this stage — just your live performance data.
Within 24–48 hours you'll receive a personalised offer: advance amount, flat fee, and repayment terms — all agreed and transparent before you proceed. No surprises after acceptance.
Accept the offer and funds transfer directly to your business bank account — typically the same day. Repayment begins as a percentage of daily revenue once the capital is in use.
Repayment is a fixed percentage of daily sales — not a fixed monthly sum. On strong trading days you repay proportionally more; on quieter days, less. The balance clears in step with your business rhythm, not against it.
A single fixed fee on the advance — typically 5–10%, applied to the principal and agreed before you accept. No compounding interest, no variable rate, and no early repayment penalty.
The application takes minutes. There is no obligation to accept an offer, and the process does not affect your credit file. If you're an OpsX member, your advantage is applied automatically when you apply through this page.
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Our partner assesses applications based on your business revenue. The more trading history you have, the more tailored your offer will be. Most eCommerce brands with 6+ months of consistent revenue qualify.
Application does not affect your personal credit file. OpsX is a referral partner. Member fee advantage applies to first advance only and is subject to standard revenue-based assessment criteria. All funding is subject to approval.