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 CapitalPilot to four years
PilotQuarterly purchases for inventory and marketingFrom $25K
Four-year programOne purchase for new stores and other growth$500K to $5M+
Funded5–8 days from signing
Trial30 days
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 each quarter in a pilot, or in one purchase for a four-year program. 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 four-year program, we market Croissant to your customer list with you and send our shoppers to your site and stores.
  3. 03Monthly reportingWith a four-year program, you get a report every month, with the ledger of your credit visible to both sides.

Rounds

A pilot, then a four-year program.

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

From $25K · Quarterly

Pilot.

We buy your store credit each quarter, from $25K, for inventory buys and marketing spend. You get 30 days to watch our shoppers spend it before you commit to more.

$500K to $5M+ · Four years

Four-year program.

We buy your store credit in one purchase, sized to your brand and funded in full, for new store openings and other growth. You work it off in merchandise over four years. 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 for a pilot to $5M+ for a four-year program, based on your brand's size and revenue.

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 with a pilot from $25K and take 30 days to watch how our shoppers spend it. Move to a four-year program 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 four-year program, we also market Croissant to your customer list with you and send you a report every month.

Apply

Start with a pilot 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