The holiday season has arrived, and if you’re like most ecommerce brands, you’re already seeing those receipts stack up for shipping, inventory, marketing, and everything in between. With holiday sales set to climb by 7%-9% this year, reaching close to $300 billion in online purchases, orders are coming in fast. Staying on top of cash flow in the middle of this rush can feel like a constant balancing act, but that’s where a solution like receipt funding can help.

What is Receipt Funding?

Receipt funding gives you some breathing room during Q4 (the last three and busiest months of the calendar year). Unlike invoice funding, which helps you pay suppliers ahead of time, receipt funding helps you recover costs for expenses you’ve already paid. This could be for stocking up on inventory, covering marketing, or managing warehousing fees, which can easily add up when fulfillment costs like warehousing take up 20% of total inventory expenses.

Rising Q4 Costs for Ecommerce Brands

To avoid stockouts throughout the holiday rush, many ecommerce brands hold extra inventory, often tying up substantial cash reserves. Frequent restocking, increased shipping fees, and seasonal carrier surcharges only add to the expenses. Warehouses often raise storage fees, and fulfillment services like Amazon FBA apply premium charges to keep inventory moving quickly. Bringing in extra hands to manage holiday orders means labor costs climb, too, making Q4 both exciting and challenging.

How Clearco’s Receipt Funding Works

Clearco makes it easy to manage your bills and receipts with a funding solution you can count on.

1️⃣ Submit receipts for eligible expenses from the past 60 days, such as for inventory, marketing, or warehousing; we understand these are essentials that keep your business going strong.

2️⃣ Once approved, we’ll send the funds back to you within 1-2 business days, so you’re not left waiting.

3️⃣ With capped weekly payments over 4, 5, or 6 months, you can manage cash flow on your terms without the hassle of daily deductions.

Receipt funding lets you focus on what matters most this season, keeping things simple so you can put your energy where it counts.

Tips for Maximizing Receipt Funding this Holiday Season

Consider using receipt funding to stay stocked on your popular items without tying up cash, so you’re always ready when customers are looking for their favorites. With holiday ecommerce sales expected to grow by as much as 12.8% this year, reaching nearly $284 billion, it’s the perfect time to fuel high-impact promotions and reach new customers. Freeing up cash flow gives you the flexibility to adapt quickly to holiday demand, making it easier to handle the busy season without the usual stress. These steps can help keep things running smoothly, allowing you to focus on delivering a great experience to your customers during the busiest time of year.