Kickpay
Kickpay is an intelligent finance platform that provides revenue-based working capital to ecommerce brands by connecting directly to their shipping and inventory systems. The platform monitors real-time shipment data, predicts future sales, and automatically debits merchants daily based on units shipped, with fixed-fee financing offers. It also enables 3PLs to offer embedded working capital to their clients through 100+ integrations.
- Financial Technology
- Software Only
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Ecommerce brands often face cash flow gaps that limit inventory purchasing and growth, yet traditional lenders rely on credit scores or lengthy operating histories that exclude younger and faster-growing businesses. The delay between sales and payment cycles, combined with a lack of flexible financing tied to actual operational performance, leaves many online retailers capital-constrained.
Solution
Kickpay provides an intelligent finance platform that delivers revenue-based working capital to ecommerce brands by connecting directly to their shipping and inventory systems. The platform monitors real-time shipment data across all sales channels, predicts future sales volume, and uses those predictions to size financing offers based on a company's actual operational trajectory. Each day, Kickpay automatically calculates the amount owed and debits the merchant's bank account in proportion to units shipped, creating a repayment structure that flexes with business performance. Financing offers carry a fixed fee, so borrowers know the total cost upfront. The platform can also estimate sales that were lost during out-of-stock periods to arrive at a larger loan amount, and it extends financing eligibility to companies with as little as three months of sales history.
Target Audience
Primary customers are ecommerce brands with at least three months of sales history that need growth capital, as well as third-party logistics providers (3PLs) seeking to offer embedded working capital solutions to their merchant clients.
Features
- Direct integration with shipment and inventory data sources, including 100+ integrations with WMS and ecommerce platforms
- Daily automated repayment debits calculated based on actual units shipped, eliminating fixed monthly payment schedules
- Sales prediction engine that forecasts near-term unit sales and cash flow, including lost-sales estimation for previous out-of-stock events
- Fixed-fee financing offers with transparent, upfront pricing
- Partner program for 3PLs that enables them to offer embedded working capital to their ecommerce clients with a plug-and-play WMS integration and pre-built marketing collateral
- Fast onboarding with setup completed within one week