You are different.
You built a world class brand.
You have long term growth targets.
You deserve a sophisticated lender .

Deep Ocean prescribes custom credit solutions

Get access to a full suite of flexible working capital products:

Revolving Lines of Credit

A continuous source of funding that you can access as needed. Credit line remains available over time with an ability to pay down the full balance. Typically used to fund inventory / marketing spend and serves to smooth out cash flow cycles.

Size: $1 – 25mm
Term: 6-24 month with ability to extend
Cost: 12-18%
Type: Asset based loan against inventory and Accounts Receivable
Flexibility: Draw and payback as you need; high advance rates

Term Loans

Facilities that you pay back over a set time period with level payments based on the amount drawn. Can be used for a variety of purposes including inventory,
marketing and general operating expenses.

Size: $5 – 50mm+
Term: 12-36 months
Cost: 10-18%
Type: Asset based loan against inventory and Accounts Receivable
Amort: Interest Only or Amortizing
Flexibility: Fully funded at close or delayed draw options

Receivables Factoring / Invoice Financing

Allows businesses to borrow against or factor their accounts receivables to unlock working capital stuck in the system and alleviate cash shortages or temporary cash-flow issues. Company uses invoices as collateral or sells the invoice to the lender.

Size: $500k – $5mm
Cost: 1-3% per month or 5-15% discount to contract value
Advance: 70 – 95% of invoice value
Flexibility: Business can either manage the underlying relationship or choose to sell the invoice to the lender

Purchase Order Financing

Cash advance that can be used to pay your suppliers in order to fulfill larger orders without worrying about the working capital needed. Lender pays suppliers up to 100% of the costs required to fulfill the order depending on counterparty risk and minimum margin requirements.

Size: $500k – $5mm
Cost: 1-6% per month
Advance: Upwards of 100% depending on supplier and customer credit risk
Flexibility: No monthly payments; Lender manages supplier payments

Revenue Based / Cohort Financing

Alternative form of financing where a business can borrow a lump sum and repay the lender with a percentage of future recurring revenue. Our structures often include caps to limit the total amount of revenue taken in order to limit the overall take-rate in upside cases.

Size: $1 – $10mm
Term: No fixed term; underwriting to a 6-12 month payback period
Cost: 15-30% annualized
Flexibility: With no fixed term and caps on total revenue take, we present a more fair option vs other RBF providers

Growth Capital

Flexible facility that enables growth underwritten to assets and/or cash flow. Facilities that you pay back over a set time period with level payments based on the amount drawn. Can be used for a variety of purposes including inventory, marketing and general operating expenses.

Size: $5 – $50mm
Term: 24-60 month commitment period
Cost: 12-18% cost of funds
Structure: All assets lien and underwriting of cashflow
Type: Interest Only or Amortizing
Flexibility: Fully funded at close or delayed draw options

Deep Ocean was built to help you access more working capital at fair terms.

We combine a data-rich understanding of your business with 20+ years of credit experience to custom-tailor a financing solution that empowers you to operate at your full potential!

1.

Higher advance rates

We provide industry leading advance rates of 80-90% against your inventory, accounts receivable and more by giving you credit for both your current assets and future growth.

2.

Competitive pricing

Cost-effective, fixed monthly payments allow you to effectively plan cashflow and use our credit line to fuel growth.

3.

Immediate scale

Starting at $1mm and scaling to $20mm+

4.

Solution oriented

Need additional capital to support your operations? We can help with accounts payable, PO financing, equipment loans / leases; we are your go to strategic finance partner.

5.

Value add partner

Access our network of 3PLs, Marketing Agencies, SaaS platforms, CFOs & CPAs.

Founded by industry leaders from

We have a lot of perspective in ecommerce; having backed dozens of founders, advised and mentored hundreds and spoken with thousands of management teams.

We have a lot of perspective in ecommerce; having backed dozens of founders, advised and mentored hundreds and spoken with thousands of management teams.

We’ve seen all the options and decided to build something better.

Your business is complex so cookie cutter solutions no longer work. Deep Ocean has an eye towards structuring a custom and scalable solution. See how we compare to other lending options:

- Other ABLs/LOCs
- Traditional Banking
- Revenue Based Financing

Other ABLs/LOCs

Legacy ABL providers have historically only serviced larger, more mature merchants - even then they offer conservative capital limits (advance rates of
50-60%) and can take months to perform
diligence.

Traditional Banking

Traditional banks offer a lower cost of capital but lack the specialization to provide you with the level of liquidity you need to own your growth plan. Many brands are met with inflexible standards and strict covenants.

Revenue Based Financing

While fintech platforms allow for quick approvals - they actually erode operational cash flow and are not long term solutions for consistent growth.

We’ve seen all the options and decided to build something better.

Your business is complex so cookie cutter solutions no longer work. Deep Ocean has an eye towards structuring a custom and scalable solution. See how we compare to other lending options:

- Other ABLs/LOCs
- Traditional Banking
- Revenue Based Financing

Other ABLs/LOCs

Legacy ABL providers have historically only serviced larger, more mature merchants - even then they offer conservative capital limits (advance rates of 50-60%) and can take months to perform diligence.

Traditional Banking

Traditional banks offer a lower cost of capital but lack the specialization to provide you with the level of liquidity you need to own your growth plan. Many brands are met with inflexible standards and strict covenants.

Revenue Based Financing

While fintech platforms allow for quick approvals - they actually erode operational cash flow and are not long term solutions for consistent growth.

Our Process

We create a deep understanding of your data.

This give us conviction to provide you more capital than the competition in a way both traditional lenders and fintech lenders wish they could.

Our Process

We create a deep understanding of your data.

This gives us conviction to provide you more capital than the competition in a way both traditional lenders and fintech lenders wish they could.

Intro call

We are excited to learn about your company and its story ~ we are here to support your goals.

Diligence

No hoops to jump through. Our data platform makes it easy to share your performance data and get prequalified. We’ll provide an initial read within a day or two.

Review insights

As we evaluate your business, we share our underwriting output to help you better understand your metrics.

Funding and support

We are collaborative and want to see you succeed. Even after you are funded we are here to support your growth.

Intro call

We are excited to learn about your company and its story ~ we are here to support your goals.

Diligence

No hoops to jump through. Our data platform makes it easy to share your performance data and get prequalified. We’ll provide an initial read within a day or two.

Review insights

As we evaluate your business, we share our underwriting output to help you better understand your metrics.

Funding and support

We are collaborative and want to see you succeed. Even after you are funded we are here to support your growth.

Meet your personal growth team

Alex Urdea

A credit expert with 20+ years of experience, who has advised dozens of ecommerce brands on the best funding options.

Alex is your go to funding resource.

Alexey Loganchuk

Curious how a billion dollar PE firm would view your business? Trying to better understand your customer acquisition costs?

Alexey is your go to data science resource.

Daniel Jacobini

A career of competitive intelligence ranging from billion dollar consumer brands to nine figure
DTCs.

Daniel is your go to strategic resource.

Ready to take the pain away from finding working capital?
Talk to our team!

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