We are an online loan referrer and capital raising advisor with over 10 years’ experience in the commercial banking industry.
We have agreements with online loan providers to get you the most competitive rates on the market. We are experienced financiers and can help guide you with your loan application, financial metrics, and cash flow projections.
Our other agreements are with supply chain providers, in particular Amazon Advertising where we can get you a discount on the application fee.
You can finance all items within the supply chain including inventory, shipping & logistics, and online advertising costs.
Loans start from $25,000 USD
Unlike traditional banks and some e-finance providers our finance partners do not require a charge over your business and most importantly a personal guarantee from you. Our finance partners are true cash flow lenders and provide a solution that is tailored to your business needs.
You will pay no fee to emoneymerchant as we are renumerated by our referral partners. The fee you pay to our finance partner is dependent on the lender and a number a factors assessed against your business performance. As a guide you will pay $500-$1,000 USD for every $10,000 USD funded. Based on our experience, this a very competitive.
Amazon Advertising costs will be negotiated by the referral partner.
This will be dependant on your application however CBB advertises that no equity is required.
CBB can approve a successful application within. 24 hours.
No. There will be zero impact on your credit score.
We only collect information from you to verify the initial loan criteria has been met. Any information provided is kept 100% confidential and only shared with CBB for the purpose of the application. Our business is built on trust and it is very important to us that your privacy and information is respected. Please see our privacy page for further information.
There are a number of benefits to supply chain finance. The main benefit is to your cash flow. For a growing business, there is a gap between outlaying funds to pay for stock, logistics, and advertising and then receiving funds from the sale. If you are selling on a platform like Amazon, this gap is longer due to its 14 day payment terms. Supply chain finance fills this gap, providing you cash flow when you need it and then repaying the loan once funds are received. The gap is also commonly referred to as the working capital cycle.
The other main benefit is to reduce your cost of capital. Simply explained, in general, it is cheaper for you to use someone else’s money (debt) than your own (equity) to fund your costs.
The supply chain involves all entities and activities involved to produce a product or supply a service to an end customer. It does not involve general Selling and Administrative expenses.
The finance solution is a hybrid between a traditional loan and invoice finance.
With traditional invoice finance, a financier usually will have a set repayment term (30 – 90 days for example) from when the loan facility is drawn. This however can be a problem for online sellers as the working capital cycle is longer than a bricks and mortar retailer. In addition, invoice finance will not cover advertising costs. It will usually cover stock and some logistics but does not cover advertising. Further, most invoice finance lenders will require a 20%-30% deposit, charge over the business or stock, and personal guarantee from company directors. If you have more than one product, traditional inventory finance can be difficult to reconcile as your loan funds are provided in one ‘pot ‘of money (via one limit). The CBB solution opens a contract at SKU level making reconciliation more efficient and funding more targeted.
A traditional loan would usually have a term of 1-3 years and have set interest only or principal and interest requirements. This type of loan is not suitable for working capital needs as generally the lending limit needs to be constant for a period of time and then grow in line with the business’s needs (not decrease).
The lending solution on offer is a hybrid because the repayment of the loan is set in line with expectations of when you will receive the money (not just an arbitrary number like 30- 90 days). As loan contracts are at SKU level, you can open up and close contracts at your discretion via a user-friendly interface.