The category turns in quarters. You're paid in days.
Electronics, appliances, furniture, tools, home goods. Your buyers are retailers, dealers and e-commerce sellers whose cash arrives at sell-through — after the container, the season and the return window. We underwrite that cycle so their terms fit it, and you're paid within 2 business days either way.
Your buyers get up to NET-90, with limits sized to the season and the sell-through cycle instead of a static line. Qualifying suppliers now in:
Sell-through cycles
A sofa, a range or a TV sits on a floor or in a warehouse for weeks before a consumer pays for it. Your buyer's cash arrives at sell-through, not at receipt. Our terms are shaped to how fast the category actually turns, not to a 30-day convention.
Seasonal builds
Holiday, back-to-school, spring outdoor: the year's volume lands in a few windows, and buyers stock them a quarter ahead. Orders arrive in lumps, and so does the cash that pays for them. Buyer limits flex with the season, so credit is there for the build — not after peak.
Tariff moves & landed-cost swings
Landed cost is set months before the goods land, and a tariff change or a freight spike moves it overnight. Buyers pull orders forward to beat a rate or hold back to wait one out. We underwrite the purchasing pattern the trade environment actually produces — not the one a 30-day model expects.
Returns & warranty reserves
Durables come back. Return windows, warranty claims and defect chargebacks mean your buyer's receipts are net of a reserve that settles over months. We read the return pattern into their cash position instead of reading it as a shortfall.
Project & install-based sales
Contract furniture, appliance packages, fit-outs: some durables sell as projects, not SKUs. Delivery, install, punch list, final payment — the same milestone chain we underwrite every day in construction. Same structures, different product.
A slow-turning category isn't a slow-paying buyer.
Horizontal platforms see a buyer who takes 90 days and price the delay — or decline it. We see a category that turns in quarters and price the cycle. Furniture, appliances and electronics move on sell-through, seasons and containers — structured timing, the same kind we underwrite in solar milestone schedules — so a buyer who needs the full 90 is a priced decision, not an exception. And you're paid within 2 business days either way.
Electronics & appliance distributors
Consumer electronics, major and small appliances — selling to retailers, dealers and builders.
Furniture manufacturers & importers
Residential and contract furniture — selling to retailers, designers and dealers.
Tools, outdoor & home goods importers
Power tools, outdoor equipment, housewares — selling into retail and pro channels.
Selling into construction too? One program covers your whole buyer book — see all industries →
Sell on terms. Bank on Day 1.
Five minutes to see if your volume qualifies. No account, no commitment.
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