● Inventory purchasing for consumer brands
StockWise pays your suppliers in full and owns your stock until the moment it sells. No debt on your balance sheet. No daily cut of your revenue while containers are still at sea.
PO funding from €25k to €1M · terms fixed before we buy anything · Amsterdam
| Landed cost per unit paid by StockWise on day 0 | €10.40 |
| Agreed markup 2.5% / month × 3 months held | €0.78 |
| You pay us, at the moment of sale | €11.18 |
| Your selling price you sell as normal, your channels | €29.95 |
| Margin you keep, per unit | €18.77 |
Illustrative. Your markup is agreed per month and fixed in writing before we place a single purchase order.
Growing a product brand means placing bigger purchase orders, months before the revenue arrives. Right now you have two ways to fund that gap, and both hurt.
Option one: use your own cash. Your working capital sits in a container for 60–90 days. You can't spend it on marketing, hiring, or the next order. Growth waits for the boat.
Option two: revenue-based financing. A provider advances you the money and starts deducting a fixed percentage of your daily revenue from day one. You're repaying stock that hasn't landed, from sales of stock you bought last season.
We built StockWise because a third option should exist: repayment that starts when the inventory actually sells, and not a day earlier.
| Advance for a new purchase order | €100,000 |
| Daily revenue deduction | 10% |
| Your revenue while goods are at sea | €3,000 / day |
| Days until that stock is sellable | 75 |
| Repaid before one funded unit sells | −€22,500 |
A quarter of the advance leaves your account before the goods it paid for earn a single euro. That cash came out of your existing margin.
Same €100,000 purchase order, same 75-day lead time, same €3,000/day of existing revenue. With StockWise, repayment tracks units sold, funded by the sale itself, not by your existing margin.
A read-only connection to your fulfilment software shows us your real sales velocity and stock levels: the numbers, not a pitch deck. No lengthy underwriting, no personal guarantees. Read-only means exactly that: we can't touch orders, pricing, or customer data.
You place the purchase order you actually need; we pay your supplier in full, directly. Your supplier relationship stays yours: same contacts, same negotiated pricing.
The inventory sits in your 3PL and sells through your channels as normal. Legally it's ours, which means it's not debt, not a loan, and not on your balance sheet.
As units sell, you pay us the cost price plus a monthly markup that was fixed in your agreement before we bought anything. Slow month? You automatically pay less. Fast month? You've got the margin to cover it.
Your dashboard shows what we own, what sold, and what's owed, reconciled daily against your 3PL data. No invoices to chase, no month-end surprises, no spreadsheet arguments.
| PO | Line | Funded | Status | Sell-through |
|---|---|---|---|---|
| PO-1038 | Gift set FW25 | €21,900 | Selling | 91% |
| PO-1041 | Steel bottle 500 ml | €64,200 | Selling | 62% |
| PO-1042 | Filter cartridge 3-pack | €38,750 | At sea · ETA 12 Aug | – |
| PO-1044 | Starter kit v2 | €87,550 | At sea · ETA 03 Sep | – |
Revenue-based financing is a real product that works for some businesses. Here's where the models differ, so you can decide which one matches how your cash actually moves.
| Criterion | StockWise | Revenue-based financing |
|---|---|---|
| Repayment starts | When a funded unit sells | Day one, before the stock has landed |
| Repayment tied to | Units actually sold, cost + agreed markup | A fixed daily percentage of all revenue |
| Balance sheet impact | None: we own the stock, so it's not your debt | An advance or loan on your books |
| A slow sales month | You pay less that month, automatically | Daily deduction continues on whatever you sell |
| Personal guarantee | Never | Sometimes required, read the fine print |
| Cost structure | Monthly markup, fixed in writing before purchase ¹ | Fixed fee percentage, owed regardless of sell-through |
¹ Based on a typical client agreement. Your exact markup depends on product category and sell-through history, and is agreed before any purchase order is placed. No fee has ever been changed mid-agreement.
“Our March order was our biggest ever and our bank balance didn't notice. That sentence would have been science fiction a year ago.” Sportief, distributor of Everlast · StockWise client since 2024
We do, from the moment we pay your supplier until the moment a unit sells. It sits in your 3PL and sells through your channels exactly as before; ownership is a legal and accounting matter, not an operational one. This is why nothing lands on your balance sheet as debt.
Cost price plus a monthly markup, agreed in writing before we place any purchase order. The markup depends on your product category and sell-through history. There are no origination fees, no daily deductions, and no penalty for a slow month: you simply pay as units sell.
Purchase orders from €25,000 up to €1,000,000, and most clients run several POs at once. The ceiling grows with your sell-through history: the data earns you the headroom.
We only buy inventory your own sales history supports: that's what the 3PL connection is for. If a line sells slower than forecast, your repayment slows with it; that's the model working, not breaking. What happens to stock that stays unsold beyond an agreed horizon is set out in your agreement upfront, so there are no surprises on either side.
Read-only access to sales velocity, stock levels, and inbound shipments. We don't need your customer data, your ad accounts, or your bank login. The connection takes an afternoon on most platforms, and everything is processed within the EU under GDPR.
Typically six working days from connecting your 3PL to the first purchase order being paid. Most of that is us agreeing terms with you, not paperwork.
No. No equity, no warrants, no board seat, no personal guarantee. We make money one way: the agreed markup on inventory that sells.
You'll hear from us within one working day, from a person, not a sequence. First call is 20 minutes: your numbers, our model, and whether they fit.