AccrueMe® was founded by ecommerce operators, investors, and finance professionals who saw the same problem from different sides: established operators needed capital, but most funding options either burdened businesses with high hidden rates or buried them in red tape instead of supporting the way ecommerce businesses actually grow.

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Founded in 2018, when twin brothers Ben and Sam Kotch were working deeply across the Amazon and ecommerce ecosystem. As sellers and operators themselves, they saw how inventory cycles, advertising spend, marketplace expansion, and cash flow could create major growth opportunities — but also real capital constraints.

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Eric Kotch, Ben and Sam’s father, brought legal, investment, and transaction experience. Don Henig, Eric’s longtime colleague and friend from the mortgage finance industry, brought decades of lending, executive leadership, and capital markets experience, including leading teams that funded more than $100 billion in mortgage transactions.

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Together, that founding team built AccrueMe® to give ecommerce sellers a more flexible, transparent, and business-friendly source of capital.

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What started with hands-on underwriting and spreadsheets evolved into a capital platform shaped by years of working with hundreds of sellers. Through years of evaluating ecommerce businesses, funding growth, and seeing firsthand what separates successful sellers from struggling ones, AccrueMe® developed a clear conviction: 7-figure ecommerce businesses need transparent, cost-effective, flexible, long-term financing. By 2024, that conviction led AccrueMe® to sharpen its focus on providing long-term private capital specifically for established ecommerce businesses—offering bank-like terms without the bank headaches.

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Today, AccrueMe® helps high-performing Amazon and ecommerce sellers access flexible capital to fund inventory, improve cash flow, expand channels, and scale without giving up equity or control.

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