NineReach · Payout Advance

Cross-border payouts,cashed in early

Automatic credit on your Payroad transaction flow — front promo ad spend and operating expenses without waiting on payouts, auto-deducted at maturity.

Apply for a Line · See Supported Platforms

A payout-cycle advance exclusive to the Payroad ecosystem

Same day ad & operating funds at your Payroad account Credit decision in about a minute — in time for your ad window

Payout cycles, unpacked

Every pain point has a matching answer

Platform payouts take 7–15 days, leaving promo ad budgets unfunded

Advance ahead of the cycle, auto-deducted at maturity

Traditional loans approve too slowly to catch the ad and restock windows

Flow-based automatic underwriting — decision in a minute, same-day funds

Payouts scattered across stores make treasury scheduling costly

Authorize all stores once, aggregate flow into one line

How It Works

Four steps, fully automated

  1. 01

    Authorize & link

    Grant store-data authorization in the Payroad dashboard

  2. 02

    Instant line

    A credit line issued in about a minute

  3. 03

    One-tap draw

    Choose amount and term; funds arrive immediately

  4. 04

    Deduct at maturity

    The system auto-deducts repayment at maturity — no manual action needed

Core Advantages

No payout drag, funds the same day

A

Automated data underwriting

Assessed on real Payroad transaction flow — where there's flow, there's credit; no collateral, no guarantee

R

Auto-deducted at maturity

Loan terms align with platform payout cycles (Amazon, Temu, AliExpress, Shopee); repayment is auto-deducted at maturity — flexible options such as revenue sharing depend on the specific product and agreement

S

Same-day disbursement

One-tap application with funds in your Payroad account as fast as the same day — in time for ads and restocks

P

All platforms, multi-store lift

Authorize stores across major platforms at once; combined flow raises your line

Use Cases

For the moments cash can't wait

C

Promo ad advance

Front peak-season ad budgets without waiting on payouts

R

In-cycle restocking

O

Operating expenses

Logistics, warehousing and advertising

M

Multi-store turnover

FAQ

Payout Advance, answered

How high can my line go?
Initial lines are set by Payroad flow, up to the millions (CNY); multi-store sellers can be raised further.
What terms can I choose?
Terms match platform payout cycles by default, with 7-, 14- and 30-day options.
Which platforms are supported?
Amazon, Temu, AliExpress, Shopee and other major platforms, with the list continuously expanding.
Do I repay manually?
No — repayment is auto-deducted at maturity with no manual action; whether flexible options such as revenue sharing are available depends on the specific product and agreement.
How do I repay? Is flexible revenue-based repayment supported?
At maturity the system automatically deducts repayment — no manual action needed. Flexible repayment options such as revenue sharing depend on the specific product and your agreement.

Eligibility

Who Payout Advance is for

M

Target market

Cross-border e-commerce sellers (China-mainland entities preferred)

E

Entity type

Registered companies / individual businesses

P

Platforms

Amazon, Temu, AliExpress, Shopee and more

D

Data authorization

Authorization for Payroad to sync store transaction data

Final approval is subject to risk assessment.

Credit Estimator

Estimate your Payout Advance 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.