How a Brooklyn DTC brand financed its biggest Q4 ever with a $750K revenue-based credit line.
Greatlane Goods had a viral hero product, three months to ramp inventory for Q4, and a banker who wanted two years of audited financials. The XFundingIntel network found a lender who actually understood Shopify.
Greatlane Goods sold a niche outdoor accessory that went viral on TikTok in late August. By mid-September, daily orders had 6×'d and the brand was running on 11 days of inventory. Q4 was 90 days away.
Kenji needed $600K of inventory pre-paid to two manufacturers in Vietnam, plus another $150K for paid acquisition headroom. His Brooklyn-based bank wanted two years of audited financials and a personal guarantee secured by his apartment. He was 18 months into the business and renting.
"Banks asked for two years of audited statements. The revenue-based lender connected to my Shopify and approved me in three days."
His broker submitted to a revenue-based lender on the XFundingIntel network that integrates directly with Shopify, Stripe, and QuickBooks Online. The lender pulled 18 months of transaction data, gross-margin trends, and ad-spend ROI in real time.
A $750K revolving facility was approved in three business days at a 1.4% monthly draw fee, no personal guarantee, and no fixed monthly payment — repayment was a percentage of daily sales.
First $300K draw funded on Day 10 to wire the Vietnam manufacturer. A $200K draw followed at Day 25 to fund Q4 ad-spend ramp.
Greatlane shipped inventory inside the Q4 window. Q4 revenue came in at 3.14× the prior trailing quarter. Average reorder cycle compressed 38% as the brand stayed in stock through Black Friday and holiday.
Kenji is on track to use the same facility for spring inventory and is in conversation with a venture-debt fund for a Series A bridge — at terms that wouldn't have existed without the Q4 numbers the credit line made possible.
"The credit line wasn't financing — it was infrastructure. We tripled Q4 because we could keep stock on the shelves while the algorithm kept feeding us customers."
Broker earned a 2% origination plus monthly residual on outstanding balance.
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