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 never pay us back.

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Croissant CapitalSized to your brand
Capital$25K to $5M+Longer terms mean larger amounts
TermsUnder a year to four years
Funded5–8 days from signing
Interest and equityNone

Capital

Paid to you up front, spent at your store.

Each full-price order from our shoppers spends some of the credit we bought.

CapitalIllustrative

Paid to you, up front.

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Day oneOver time

Each step down is a full-price order at your store.

You never pay us back.

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.

Application to cash
01

We buy your store credit

We reply within 24 to 48 hours and size the purchase to your brand. Most brands have the cash within 5 to 8 days of signing.

Where shoppers get it
02

Our shoppers spend it at full price

Your credit reaches our shoppers as credit drops, credit rewards, and credit payouts. They spend it at your store, at full price.

Your store credit
03

You never pay us back

You fulfill orders from Croissant shoppers, at full price, up to the amount we pre-purchased.

Croissant Pay

Shoppers spend your credit through Croissant Pay.

Our 200,000+ luxury shoppers pay with the credit in their Croissant wallets and cover any overage with their card of choice. Capital is for brands on Croissant Pay.

  1. 01Croissant Pay at your checkoutShoppers choose Croissant at checkout, online or in store, and 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, and both sides see the same record of your credit.
Jordan's orderExample order
JordanFirst order with you
Paid with Croissant Pay
Jordan's credit$500
Jordan's card ending 4421$950
Full price, in your Shopify$1,450

Terms

Pick your term.

Deals run from under a year to four years, and longer ones mean larger amounts. You decide where the cash goes, and there's no personal guarantee.

Get startedSign in to apply for Capital
Longer terms, larger amountsNo interest · No equity
  • Under 1 yearInventory for a season
  • 2 yearsInventory and marketing
  • 3 yearsA launch or a new category
  • 4 yearsNew stores and growth
  • Inventory
  • Marketing
  • New stores and growth

You never pay us back. You fulfill orders from our shoppers at full price.

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 four years, mean larger amounts.

Shoppers pay with the credit in their Croissant wallets and cover any overage with their card of choice. Our shoppers get the credit as credit drops, credit rewards, and credit payouts, and they spend it at your store at full price.

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 you never pay us back. You fulfill orders from our shoppers at full price, up to the amount we pre-purchased. There's no interest and no equity, and the brand stays with its owners.

Nothing changes at checkout. Your full-price sales stay at full price, and shoppers pay what they always have. We buy the credit up front, at a price we agree with you, and you fulfill orders from our shoppers up to the credit we bought.

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.

By invite

Request an invite to Croissant Pay.

Tell us about your brand and our team will reply. Optimize and Capital come with Croissant Pay.

Get startedSign in to apply for Capital