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On-Demand Working Capital

Funding Solution

Revenue based financing

Financing amount

$10 - $5,000,000

Term

Flexible (usually fully repaid within 12 months)

Fees from

4% - One flat fee, based on funding amount, no interest or hidden fees

Time to fund

up to 48h

Description

About:

Paperstack.ai is a fintech platform offering revenue-based financing tailored specifically for e-commerce brands, providing fast, flexible, and non-dilutive capital solutions for direct-to-consumer (DTC) and retail e-commerce businesses selling physical products.

Product:

With Paperstack’s On-Demand Working Capital, e-commerce businesses can access flexible funding ranging from customized amounts up to $5,000,000, with approval typically within 48 hours. Funds become available shortly after approval (within 1-2 days), enabling you to quickly finance inventory purchases, marketing campaigns, invoices, and payroll expenses.

What distinguishes Paperstack is their transparent flat-fee pricing model—you pay just one fee (typically 4-10% of the funding amount) with no interest or hidden charges. Repayments are aligned with your business revenue patterns over a flexible period of up to 12 months, with no prepayment penalties if you choose to repay early.

Perfect for  Shopify, Amazon, Etsy, and WooCommerce sellers with $250k-$10M annual revenue seeking AI-powered underwriting that requires no personal guarantees or credit score requirements, Paperstack helps e-commerce businesses optimize cash flow and scale operations without diluting equity.

Platforms

E-commerce marketplaces or online selling channels that are supported.

Amazon

Shopify

Etsy

WooCommerce

Others

Offer details:

Minimum monthly turnover
The minimum average monthly sales required to qualify for this funding solution.
$20,000
Minimum time in business
How long your business must have been operating to be eligible.
12 months
Minimum amount of financing
The range of available funding. The final amount depends on your business performance and credit assessment.
$10
Maximum amount of financing
The range of available funding. The final amount depends on your business performance and credit assessment.
$5,000,000
Interest fees
Interest rate represents the cost of your loan. Final rate depends on your business profile and creditworthiness.
4% - 10% - One flat fee, based on funding amount, no interest or hidden fees
Repayment period
The length of time you have to repay the funding amount.
Flexible, typically up to 12 months
Repayment method
The way you'll pay back the funding.
Revenue-aligned flexible repayments
Duration of the contract
The duration of the funding agreement.
Flexible (usually fully repaid within 12 months)
Time of decision
Maximum waiting period to receive a funding decision after submitting all required documentation.
up to 48h
Time to release funds
Expected timeframe from application approval to money being deposited in your account.
up to 48h
Countries operating
Geographical regions where this funding solution is currently available to businesses.
Canada
United States
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