An online seller stocks up ahead of Q4
Inventory purchase ahead of peak season · $320,000 funded
Funded
Timing
Use
The challenge
What the business was up against
A multi-marketplace seller (Amazon and Shopify) knew that the fourth quarter would account for nearly half its annual revenue. To capture it, the business needed to commit to a large inventory order from overseas suppliers months in advance.
Marketplace payout lags meant the seller's cash was perpetually a few weeks behind its sales, a classic mismatch that made a large up-front inventory buy difficult to self-fund.
The solution
How we structured it
PIRS underwrote against the seller's marketplace deposit history, which showed strong, growing, and seasonally predictable revenue.
We structured a $320,000 advance timed so the bulk of repayment would land during the high-volume Q4 window, aligning the remittance schedule with the seller's strongest cash flow.
The outcome
What happened next
The seller placed its full inventory order on time and avoided the stockouts that had capped growth the prior year.
Q4 revenue grew substantially year over year, and the seller renewed the following spring to fund a new product line.
This case study is an illustrative composite, not a specific customer record. Figures and details are representative of how PIRS structures working capital. Funded September 10, 2025 (illustrative). Outcomes vary by business.
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