Nine routes of commerce,funding delivered
Payment infrastructure at the core, tiered credit as the extension — a full-chain funding solution spanning settlement, turnover credit and growth management, built as the funding backbone and growth partner of cross-border businesses.
Choose your path
What kind of seller are you?
Three financing product lines, from first sale to flagship brand — straight to your funding plan
Full chain
One funding chain, from settlement to growth
Licensed funds and joint underwriting are in place, with the trusted terminal coming soon — together covering the full funding journey of cross-border trade
- 01
Settlement
The Payroad funds layer carries global collections and transaction data — the starting point of the funding chain; the trusted AI terminal is coming soon and will add operating-data depth upon release
- 02
Turnover credit
Merchant Finance, Payout Advance and FundPath absorb turnover needs stage by stage, with credit embedded across operations and payments
- 03
Growth management
Revolving lines, multi-store scheduling and payment and FX services keep funds productive along the whole chain
Side by side
Three financing product lines at a glance
Aligned dimension by dimension, from audience to funding speed
| Merchant Finance | Payout Advance | FundPath | |
|---|---|---|---|
| Audience | Brand sellers and top sellers at eight-figure annual sales (CNY) | Growing sellers riding platform payout cycles | New sellers getting started, and fragmented turnover needs at every stage |
| Line size | Up to the eight-figure class | Up to the seven-figure class | From four figures, set by flows |
| Term | 3/6/12/24-month options | 7/14/30 days, matched to payout cycles | Revolving, interest by the day |
| Funding speed | As fast as T+1 after signing | As fast as same day, to your Payroad account | Real time, to your Payroad account |
| Best for | Peak-season stocking, multi-store expansion, overseas warehouses | Promo ad campaigns, opex advances, payout-cycle turnover | New-seller launches, emergency restocking, product testing |
Brand architecture
One group brand behind every business line
Group-level endorsement, business-line execution
NineReach
One group brand, three layers: the trusted AI terminal is coming soon, the Payroad funds layer handles licensed collection and payments, and the NineReach credit layer underwrites jointly
Trusted AI Terminal
Unified Windows seller terminal: batch listing, translation, and image cutout; the Cloud AI Edition uploads de-identified data after opt-in, and the Local Edition keeps data local
Payroad Funds Layer
Hong Kong MSO licensed and compliant: global collection, global acquiring, and currency exchange
NineReach Credit Layer
Joint underwriting on real payout flows and terminal operating behavior