Eight-figure credit,built for the long run
Long-horizon capital for peak-season stocking runs, coordinated multi-store expansion and overseas-warehouse buildouts — customized mid-to-long-term operating credit for leading cross-border brands: ample lines, flexible terms, dedicated service.
An enterprise-grade cross-border financial service by NineReach
Lines and terms subject to risk review
Pain Points
Going global? Don't let funding cap your ambition
Large stocking gaps
Peak-season stocking and overseas-warehouse buildouts leave funding gaps that traditional credit lines can't cover
Mismatched cycles
Business cycles and loan terms misalign, and repayment pressure squeezes margins
Asset-light headwinds
Asset-light e-commerce models rarely fit traditional bank lending criteria
Fragmented treasury
Funds scattered across platforms and entities make consolidation costly
Core Advantages
Enterprise scale, credit to match
Eight-figure credit lines
Lines up to the tens of millions (CNY), dynamically raised as you scale, powering long-term brand growth
Tailored mid-to-long terms
Terms up to 24 months with multiple repayment options, matched to your cash-flow rhythm
Data-backed, low barrier
Multi-dimensional underwriting on Payroad transaction data — light on collateral and guarantees, built for e-commerce
Dedicated 1-on-1 service
A dedicated advisor through the whole journey, plus one-stop payments and FX support
How It Works
Five steps, one long-term partner
- 01
Submit qualifications
Provide company credentials and a business profile; authorize Payroad data sync
- 02
Due diligence
A dedicated advisor leads the review and assessment
- 03
Confirm the plan
Agree on line, term and repayment; sign the agreement
- 04
Draw down
Use within your line — funds reach your Payroad account as fast as T+1
- 05
Repay as agreed
Early settlement with no penalty; the line restores for revolving use
Use Cases
Where long-term capital compounds
Peak-season stocking
Volume stocking to lock in capacity and launch windows
Multi-store expansion
New-store launches and coordinated cross-store restocking
Overseas warehouses
New builds, expansions and standing inventory
Brand expansion
Marketing, new-product development and team growth
Supply-chain upgrades
M&A and multi-entity treasury consolidation
FAQ
Merchant Finance, answered
How high can the credit line go?
What terms are available?
Is collateral or a guarantee required?
Can I repay early?
What is the credit line assessed on?
Eligibility
Who Merchant Finance is for
Target market
Cross-border e-commerce sellers (China-mainland entities preferred)
Entity type
Registered companies / individual businesses
Platforms
Amazon, Temu, AliExpress, Shopee and more
Data authorization
Authorization for Payroad to sync store transaction data
Final approval is subject to risk assessment.
Credit Estimator
Estimate your Merchant Finance line
Slide your monthly revenue to see matching estimated ranges
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.
jack.yan@payroad.com