Get flexible payment terms with Portless Capital to scale faster

Estimate your payment with this simple calculator

Estimate Your Cost

Invoice Amount

$
$1,000 $500,000

Select Your Term
30 days average 2%
60 days average 4%
90 days average 6%

Estimated Financing Cost*
$500

Invoice amount $25,000
Fee rate 2%
Repayment term 30 days

Total repayment
$25,500

Apply Now →

*Estimates only. Actual rates may vary based on credit profile and approval.

Frequently Asked Questions

What is Portless Capital?

Portless Capital lets a customer finance a Portless invoice and defer repayment by 30, 60, or 90 days. Portless gets paid in full right away, and the customer repays the full amount plus a small fee as a lump sum at the end of their chosen term. It's the financial complement to Portless's operational speed — keeping businesses liquid during growth moments so they can reorder faster without resorting to expensive, last-minute funding.

How does the financing work?

The customer submits an unpaid Portless invoice through the Portless Capital portal and selects a repayment term (30, 60, or 90 days). Portless receives the full invoice amount right away. The customer then repays the financed amount plus a flat fee at the end of their chosen term. Fees start at 2% for 30 days, 4% for 60 days, and 6% for 90 days — actual rates may vary based on the customer's credit profile. There are no hidden charges, origination fees, or compounding interest.

Who is this designed for?

Portless Capital is built for the types of brands that already use Portless: smaller DTC brands with fewer SKUs, higher-margin and lightweight products, businesses riding demand spikes from trends or seasonality, and brands that want to reorder faster without tying up cash in inventory and transit. It's ideal for customers who say things like "we're growing fast but cash is tight" or "we need to reorder before payouts hit."

What invoices are eligible?

The invoice must be unpaid at the time of submission — this is not for recouping cash on invoices that have already been settled. The invoice due date must be in the future or no more than 7 calendar days past due. There should be no outstanding past-due balances on the account. The invoice must also be for ordinary-course business (no legal fees, equipment purchases, or real estate), must include the invoice date and net terms/due date, and must match the exact business entity being financed. Each invoice can only be financed once — no partial financing or duplicate submissions.

What are the eligibility requirements for the business?

The primary business owner must have a FICO score of 620 or higher. The business must be a US-registered entity with at least one owner who is a US citizen or permanent resident. If a customer has multiple owners, their FICO scores are averaged across all signers.

Does applying affect the customer's credit score?

No. The application only requires a soft credit check, which does not impact the customer's credit score. They can apply with confidence knowing it won't show up as an inquiry on their credit report.

Isn't this just debt?

It's short-term working capital tied to a real invoice the customer already owes. It's designed to smooth cash flow timing, not to add a long-term burden. This is not a term loan, not factoring, not a credit card replacement, and not for plugging losses. If a customer would be using it to cover losses rather than timing gaps, it's not the right fit.

Why wouldn't they just use a business credit card?

If they have the limit and can pay it off quickly, cards can work. But cards often come with a hidden 2–4% "card tax" — either the vendor bakes acceptance costs into pricing, charges a surcharge, or offers an ACH discount you miss out on. Plus, cards can spike utilization and limits can tighten right when a brand is scaling. Portless Capital is a clean, predictable plan that avoids card-rail costs and keeps credit utilization from getting ugly. On a $25,000 invoice, a ~3% embedded card cost is ~$750 — that adds up fast.

What if they can't repay on time?

Extensions are available — up to 2 extensions of 14 days each, at a penalty rate of approximately 45 basis points per day. This gives the customer up to 28 additional days if needed, though extensions should be the exception, not the norm.

Can a customer repay early?

Yes. Early repayment earns a pro-rata rebate on the fee. So if a customer takes a 60-day plan but repays at 30 days, they'll get a portion of the fee back. There's no penalty for paying early.

Does this affect the customer's relationship with Portless?

No. Portless gets paid in full, on time. The customer is simply choosing a repayment plan on their side. It has no impact on their Portless account, shipping operations, or service level.

How is this different from an MCA or revenue-based loan?

MCA and revenue-based financing pull from daily revenue and can punish a business when sales dip. Portless Capital is a fixed repayment plan tied to a specific invoice, with a transparent, upfront cost. It's a fundamentally different structure — predictable and tied to a real business obligation, not a percentage of future sales.

What about a bank line of credit?

If a customer can get a bank LOC, it's usually the cheapest capital — and they should pursue it. The issue is that banks are slow and approvals aren't guaranteed, especially for emerging DTC and e-commerce brands. Banks generally have a hard time getting comfortable with these business models. Portless Capital is built for the pace these brands operate at right now.

What is Kanmon?

Kanmon is the embedded lending infrastructure that powers Portless Capital. They handle the underwriting, compliance, fund disbursement, and repayment collection behind the scenes. The customer-facing experience is fully branded as Portless Capital — Kanmon operates as the technology and financing partner underneath.

Still have questions?

If you can't find answers to your questions, contact us here.