Portless Capital Β· powered by Kanmon

Pay Portless on your terms.

Get 30, 60, or 90-day payment terms on Portless invoices through embedded financing in your Portless Portal. No separate tools, no impact on your Portless relationship. Powered by Kanmon.

πŸ‡ΊπŸ‡Έ Currently open to US-registered entities only
30 / 60 / 90
Day payment terms on any Portless invoice.
Up to $1.5M
Credit line for established Portless merchants.
48 hours
To a competitive offer, once your application is complete.
What it is

Embedded financing for your Portless invoices.

Running a fast-growing DTC brand means capital is always in motion. Manufacturing lead times, inventory builds, and customer payment cycles create natural gaps between when cash goes out and when it comes back in β€” even when revenue is strong. Portless Capital, powered by Kanmon, lets you align your fulfillment payments with your actual cash cycle.

Live in your Portless Portal

Apply, get an offer, and draw against your credit line without leaving Portless. Embedded KYC/KYB means no third-party platform onboarding or external accounts.

Powered by Kanmon

Kanmon is the regulated financing partner that underwrites your line. Embedded directly into the Portless Portal β€” one application, one place to manage everything.

Zero disruption to fulfillment

Portless still gets paid in full, immediately. Your fulfillment SLAs, pricing, and team relationships are completely unchanged β€” you just have breathing room on when cash leaves your account.

Benefits

Keep your cash where it belongs β€” in your business.

Built specifically for the cash conversion cycle of DTC brands shipping through Portless. Five concrete ways it pays off from the first invoice you defer.

Improve cash flow by 30+ days

Pay invoices on flexible terms while Portless gets paid immediately. Keep capital working in your business instead of locked up in fulfillment costs.

Up to $1.5M credit line

Credit lines scale with your account β€” up to $1.5 million for established Portless merchants. Sized to your actual fulfillment volume, not arbitrary tiers.

Scale without payment pressure

Predictable payment schedules let you plan inventory, marketing, and hiring with confidence β€” no scrambling when a big invoice lands.

Instant application

Complete KYC/KYB right inside your Portless Portal β€” embedded application, no separate tools, no external account, no copy-pasting between platforms.

Built for DTC scale

Designed specifically for fast-growing DTC brands with $5K–$500K/month Portless invoice volume β€” the cash conversion cycle this product is built around.

Problems we solve

The cash flow problems every scaling DTC brand hits.

Strong revenue and bad cash flow can coexist for years. Portless Capital removes the three most common drains on working capital for brands fulfilling through Portless.

Capital tied up in operations

When cash is absorbed by fulfillment costs, brands can't invest in inventory, marketing, or growth at the pace they need to scale.

Unpredictable fulfillment invoicing

Fulfillment costs fluctuate with order volume, making it difficult for scaling brands to forecast and budget with confidence.

No flexible payment options

Until now, merchants had no way to extend terms on Portless invoices without renegotiating directly. Portless Capital changes that.

Get 30, 60, or 90-day payment terms β€” starting today.

Apply inside your Portless Portal in minutes. You'll have a competitive offer in hand within 24–48 hours.

Apply in your Portal β†’
Portless Capital vs MCA

An MCA can save you this week and kill you next quarter.

Merchant Cash Advances feel fast β€” but they're structured to extract maximum cost during your most volatile periods. Portless Capital is the opposite: tied to specific Portless invoices, priced transparently, and aligned with how you actually generate cash.

Merchant Cash Advance (MCA)

Borrowing against your top line.

  • βœ•Effective APR 40–100%+ β€” compounded by daily debits, hidden behind a β€œfactor rate”
  • βœ•Daily ACH debits whether your sales are up or down β€” squeezes cash flow during slow weeks
  • βœ•Personal guarantees and Confession of Judgment clauses are standard β€” your house can be on the line
  • βœ•General-purpose cash with no link to a specific revenue-generating asset
  • βœ•Stacking β€” once you have one MCA, you'll be offered more, and the trap deepens
Portless Capital β€” powered by Kanmon

Deferring a specific Portless invoice.

  • βœ“Transparent rates, total dollar cost shown up front β€” no compounding, no surprise APR
  • βœ“Repayment on a fixed 30, 60, or 90-day date β€” not arbitrary daily debits
  • βœ“No personal guarantee. Kanmon underwrites on your Portless invoice history
  • βœ“Tied to a specific Portless invoice β€” you only defer payments on costs you've already committed to

Rule of thumb:if a financing product doesn't tell you the total dollar cost up front, you're probably about to pay 3–5Γ— what a structured trade-credit product would charge for the same outcome.

How it works

Four steps. All inside the Portless Portal.

1

Apply inside your Portless Portal

Minutes

Complete KYC/KYB directly in the Portal β€” no separate platform, no external accounts. Embedded application powered by Kanmon takes minutes.

2

Get an offer in 24–48 hours

24–48 hours

Kanmon underwrites against your Portless invoice history and revenue performance. You'll have a competitive offer in hand within 24–48 hours of completing the application.

3

Apply your credit line to any invoice

Per invoice

Choose 30, 60, or 90-day terms on outstanding or future Portless invoices. Portless still gets paid up front; you just defer when the cash leaves your account.

4

Repay Kanmon directly on the agreed date

30 / 60 / 90 days

Kanmon bills you directly on the chosen term. Your Portless relationship is completely unchanged β€” same dashboard, same team, same service.

Who it's for

Built for fast-scaling DTC brands shipping through Portless.

US merchants with weekly invoice volumes between $5K–$500K/month. Five patterns we see again and again β€” and Portless Capital fits all of them.

Inventory-heavy brands

Apparel, home goods, and beauty brands manufacturing in large batches use 90-day terms to bridge the gap between paying Portless and collecting from customers.

Paid-acquisition-first brands

Brands investing heavily in Meta and Google ads protect their ad budgets by deferring fulfillment costs without disrupting order flow.

Seasonal merchants

Brands with Q4 spikes (holiday) or back-to-school surges activate flexible terms during peak months to manage cash during high-volume periods.

Emerging brands ($1–3M revenue)

Brands not yet cash-flow-positive use 30-day terms as a financial buffer while scaling toward profitability.

Multi-brand operators

Operators managing several Portless accounts consolidate financing across brands with a single Kanmon application per entity.

Model the cash flow impact before you apply.

Use the Portless Capital calculator to see exactly how 30 / 60 / 90-day terms shift your cash conversion cycle β€” and how much working capital it frees up for inventory and marketing.

Open the calculator β†—
FAQ

Common questions.

What exactly is Portless Capital?+
Portless Capital is a credit line you can use to pay Portless invoices on 30, 60, or 90-day terms instead of immediately. Powered by Kanmon, a regulated financing partner. Portless receives full payment up front. You repay Kanmon on the term you chose.
Who is Kanmon and what role do they play?+
Kanmon is the financial infrastructure partner that provides the credit, handles KYC/KYB, and manages underwriting. The full experience is embedded inside your Portless Portal β€” you apply, get approved, and draw against your line without ever leaving Portless. Kanmon bills you directly on the agreed terms.
How is this different from a Merchant Cash Advance (MCA)?+
MCAs lend you general-purpose cash against future credit-card revenue and take a daily slice off your top line until repaid. Effective APRs are routinely 40–100%+, daily debits cripple cash flow during slow weeks, and personal guarantees (PGs) and confession-of-judgment (COJ) clauses β€” where you waive your right to defend yourself in court if you default β€” are standard. Portless Capital is the opposite: tied to specific Portless invoices, transparent terms shown up front, repaid on the date you chose (not arbitrary daily debits), and no impact on your Portless service.
How fast can I apply and get approved?+
The application takes a few minutes inside the Portless Portal β€” embedded KYC/KYB, no external account creation. You'll have a competitive offer in hand within 24–48 hours of completing the application. Once approved, you can apply your credit line to any outstanding or new Portless invoice immediately.
Which Portless invoices can I defer?+
Any Portless invoice qualifies β€” fulfillment, shipping, custom packaging, QC inspections, returns processing. You can apply your credit line to one invoice at a time or multiple invoices in a single draw. The only caveat: an invoice can't be more than 5 days overdue β€” those won't be approved.
How much does it cost?+
Rates are competitive and transparent β€” shown to you up front before you draw, including the total dollar cost on the deferred amount. No origination fees, no daily debits, no equity, no warrants. Exact rate depends on credit profile, term length, and account size.
Is Portless Capital available outside the US?+
At the moment, Portless Capital is only available in the States. We will roll out Portless Capital to other regions over the coming period.
Does this affect my credit score or require a personal guarantee?+
No. No personal guarantee is needed for Portless Capital.
Does this affect my Portless service in any way?+
No. Your Portless relationship is completely unchanged β€” same dashboard, same fulfillment team, same SLAs, same pricing. The only difference is the timing of when cash leaves your bank account.
What if my goods don't sell as expected?+
Repayment terms include the cushion you selected (30, 60, or 90 days). If a particular SKU underperforms badly, talk to Kanmon β€” they have standard processes to extend or restructure rather than triggering a default. Aligned incentives: Kanmon profits when your business is healthy and continues to draw, not from punitive penalties.
Who can apply?+
US Portless merchants with weekly invoice volume in the $5K–$500K/month range.
How do I model the cash flow impact before applying?+
Use the Portless Capital calculator to see how 30/60/90-day terms shift your cash conversion cycle and free up working capital for inventory and marketing.
Ready to apply?

Get 30, 60, or 90-day payment terms β€” starting today.

Apply inside your Portless Portal in minutes. You'll have a competitive offer in hand within 24–48 hours.

US merchants only Β· Powered by Kanmon