Introducing Rose
A Fulfilled-by-Amazon Brand Owner
Rose has built up her Amazon Brand's sales over the last couple of years.
She is one of the 200,000 independent Amazon Sellers with just over $100K a year in total sales.
Rose's Finance Problem.
Rose's problem is that her brand needs to forward position inventory, ready for Amazon's one-day delivery promise.
Her lack of capital limits the frequency she can replenish her stock, and every time she gets to best seller status on Amazon, she runs out of product to sell.
Loans from banks and commercial lenders are all based on unfair terms that don't take into account her sales success.
Finance firms are leveraging Rose's lack of capital to take advantage of all her hard work.
Rose can pre-sell her inventory and get the capital she needs to expand.
As she buys more stock, she can finance that as well. If she has a great month and sells out, she pays for the inventory sold and isn't stuck with a term defined loan.
On average, brands in the pool pay a fair equivalent of 12% APR
Better yet, Rose can see that by paying on time and improving the management of her inventory, she too can be one of the brands paying less than the average.
Connecting Rose directly to community lenders allows friction-free working capital to flow into her business.
This moves her brand into a positive growth spiral, increasing returns for everyone.
