Light starter credit for new cross-border sellers

Flexible Credit, Always in Reach

From your first store to new product testing — once transactions are underway, a light credit line is ready: borrow and repay anytime, with interest accruing by the day.

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How to Start

Three Steps, Then It Is Always in Reach

From authorization to drawdown, fully online.

  1. 01

    Connect your stores

    Authorize store data in the Payroad console to start the assessment

  2. 02

    Instant limit

    Your limit is generated from store flow, in as fast as one minute

  3. 03

    Borrow and repay freely

    Draw anytime within your limit, funds arrive in your Payroad account in real time; every repayment restores the line

Core Advantages

A Credit Line That Is Light, Fast, and Fair

Every draw matches the real rhythm of your business.

One line, every scenario

Stocking, marketing, logistics, warehousing — one revolving line covers all turnover needs

Daily interest, fairly priced

Borrow and repay anytime; interest accrues only for the days you actually use

Revolving by default

Get a limit upon authorization; every repayment instantly restores it — no reapplying

FAQ

FundPath: Frequently Asked Questions

For more questions, visit the Help Center.

How is my initial limit set?
It is underwritten from your Payroad store flow, typically ranging from a few thousand up to several hundred thousand; authorizing multiple stores can combine and raise it. The final limit is subject to approval.
How does interest work?
Interest accrues by the days actually borrowed — it starts on the day you draw and stops on the day you repay, and unused limit stays free. Your exact rate will be confirmed before any drawdown, subject to approval.
Can I borrow multiple times?
Yes. You can hold multiple draws at once within your limit, and each repayment instantly restores that portion — the line revolves without reapplying.
Where do the funds go?
Straight to your linked Payroad account, ready for payments, fees, and transfers for business use.
Can I apply without buying a terminal?
Yes. You can apply without buying a terminal — qualified sellers with a steady level of operating flow can apply for credit independently.

Eligibility

Who Can Open FundPath

Friendly to sellers just starting out — once transactions are underway and there is a steady level of operating flow, you can apply; final eligibility is subject to risk review.

Target market Cross-border e-commerce sellers, with mainland China entities preferred
Entity type Registered companies or individual businesses may apply
Platforms Amazon, Temu, AliExpress, Shopee, and other major platforms
Data authorization Requires authorizing Payroad to sync your store transaction data
Risk review Final limit and eligibility are subject to the risk review outcome

Limit Estimator

See What FundPath Might Offer You

Slide your average monthly flow to preview estimated ranges across all three product lines.

Credit Estimator

Estimate your credit line

Slide your monthly revenue to match estimated ranges across our three product lines

Credit estimator coming soon

Our risk team is finalizing the banding rules. Until then, use the path picker to explore the three product lines.

Estimates are for reference only; final approval is subject to risk assessment.