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AccrueMe Featured in Benzinga: How Private Credit Is Expanding Into Ecommerce
Benzinga published a partner feature on how private credit is moving into ecommerce, with AccrueMe as its example. For established brands, the piece explains why a shrinking but more professional seller market is creating better financing options for operators who have outgrown banks and cash advances.
What Benzinga covered
The article opens with the scale of private credit, which BlackRock estimates passed $2.2 trillion in assets under management in 2025. As that market grows, investors are looking for specialized, asset-backed niches, and ecommerce inventory lending is one of them.
The case rests on consolidation. Citing Marketplace Pulse, the piece notes that active Amazon sellers fell from roughly 2.4 million in 2021 to about 1.65 million by the end of 2025, while sellers doing $1 million or more a year grew past 100,000. Fewer, larger sellers can mean better credit quality, not just a smaller market. AccrueMe's own data points the same way: two years ago its borrowers averaged under $1 million a year in Amazon sales, and today they average around $9 million. As co-founder Ben Kotch puts it, "The brands coming to us now are real businesses with real cash flow."
The article also describes the gap AccrueMe is filling. Banks often struggle to underwrite inventory collateral and marketplace-dependent cash flow. Revenue-based lenders step in, but at higher effective costs and with fixed withdrawals that can squeeze working capital. And aggregators, which took on heavy leverage and often replaced the people who built the brands, left many operators wary of selling. AccrueMe's position is to lend to strong operators and leave them in charge.
What this means for ecommerce brands
AccrueMe no longer uses profit sharing. Today, AccrueMe Private Credit provides revolving credit facilities, typically from $100K to $5M, at fixed simple interest generally between 10% and 18% a year. There are no required monthly payments, repayment can be deferred for up to three years, and the capital is non-dilutive, so you keep full ownership and control of your brand.
The terms are designed for how inventory businesses actually run: draw when you need to buy stock, repay as sales come in, and know your cost before you borrow. For a brand that has outgrown cash advances but does not fit a bank's checklist, that is the gap private credit is built to close.
Learn more about AccrueMe
New to AccrueMe? Read What is AccrueMe? for an overview, or see our FAQ for details on eligibility, pricing and repayment.
Ready to see what a facility could look like for your business? Apply at app.accrueme.com.
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