Get flexible payment terms with Portless Capital to scale faster

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.

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.

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."

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.