Croissant

Turn your store credit into growth capital.

We buy your store credit up front, sized to your brand. Our shoppers spend it with you at full price, and you work it off in merchandise.

Get startedHow it works
Croissant CapitalUnder a year to five years
CapitalLonger terms mean larger amounts$25K to $5M+
Funded5–8 days from signing
Interest and equityNone

Croissant Capital

$25K to $5M+, with no interest or equity.

Put the cash into stores, inventory, marketing or people. How you use it is up to you.

How it works

Like a large wholesale order, paid up front.

We buy your store credit, and our shoppers spend it with you at full price, on your own site and in your stores.

01

We buy your store credit

We buy it up front, over a term from under a year to five years. Most brands have the cash within 5 to 8 days of signing.

02

Our shoppers spend it at full price

Your credit reaches our shoppers as credit drops, credit back and resale payouts. On average they spend 2.9× the credit.

03

You work it off in merchandise

Every piece they buy works off part of the credit. There's no interest to pay on top.

Croissant Pay

Shoppers spend your credit through Croissant Pay.

Our 200,000+ luxury shoppers use it online or in store. On Shopify it's a five-minute install.

  1. 01Croissant Pay at your checkoutShoppers choose it and their credit pays toward the order as a line item. The order runs through your Shopify flow like any other.
  2. 02Co-marketing to your listWith a multi-year deal, we market Croissant to your customer list with you and send our shoppers to your site and stores.
  3. 03Monthly reportingWith a multi-year deal, you get a report every month, with the ledger of your credit visible to both sides.

Capital

Pick your term.

Every deal is a purchase of your store credit, with no interest and no equity.

$25K to $5M+ · Under a year to five years

Capital.

We buy your store credit up front, sized to your brand, for inventory, marketing, new store openings and other growth. You work it off in merchandise over the term you choose, from under a year to five years, and longer terms mean larger amounts. There's no personal guarantee.

Talk to our team

Common questions

Frequently asked questions.

Most brands are funded within 5 to 8 days of signing. We tell you the size of your round up front, and when the cash will land.

From $25K to $5M+, based on your brand's size and revenue. Longer terms, up to five years, mean larger amounts.

Our shoppers get it as credit drops, credit back and resale payouts. They spend it with you through Croissant Pay, online or in store, and on average spend 2.9× the credit.

Yes. Start from $25K over a shorter term, and move to a longer one only if it's working for you.

You sell us store credit and work it off in merchandise as our shoppers spend it. There's no interest and no equity, and the brand stays with its owners.

We need Croissant Pay live on your site, and in your stores if you have them. With a multi-year deal, we also market Croissant to your customer list with you and send you a report every month.

Apply

Start with Capital from $25K.

Tell us about your brand and we'll reply within 24 to 48 hours. Most brands are funded within 5 to 8 days of signing.

We'll reply in 24–48 hours