eCommerce Banking
You'll Love to Use
Digital banking the way it was meant to be
Your Viably Global Account
Banking Built for eCommerce
Pay and get paid in
any currency
Multi-currency cards
with cashback
Continuous capital to
grow your business
A New Banking Experience
See how Viably delivers
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Traditional Banks |
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All your financial needs in a single platform |
Multiple providers, separate systems, more work for you |
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All your financial information in one place |
Financial information siloed everywhere, the true state of your business is visible nowhere |
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Global payments made easy |
Multiple accounts, higher fees, and longer processing times for cross-border payments |
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Operate at the speed of your business |
Slow transfers and payments hold you back from running as fast as you can |
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No fees, low fees, and cashback |
Hard to control fees add up quickly, eating into your hard-earned profits |
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People who get your e-commerce business |
Can you find someone who knows your business? |
Banking never looked better.
How will Viably help you?
Work smarter
Simplify your workload with all your financials in one place
Move faster
Don’t wait around for your money to get where you need it
See clearer
Understand where your profits come from and how to scale
One Account for All Your eCommerce Needs
Stop spending time managing multiple bank accounts and chasing the information you need to run your business.
Simplify your eCommerce financials in a single platform so you can focus your attention on growing sales and fulfilling orders.
Pay and Get Paid, Anywhere
Purchase inventory and pay vendors in their local currency, and say goodbye to costly currency conversions.
Receive payouts from international marketplaces directly into your account in multiple currencies, and effortlessly transfer your earnings back home, wherever you reside.
Debit Cards with Cashback for Ads
Stay in control of your spend using your Viably debit card and automated expense categorization.
Enjoy up to 2% cashback on your ad spend – that’s more ads for your money and more money straight to your bottom line!
A Bank that Puts You in Control
Your Viably Global Account automatically syncs your transactions with your bookkeeping software for a clear view of your store performance and cash on hand.
And with free expense management built into your account, you can define and enforce your own spend management policies to keep your costs in check.
Security. Safety. Support.
The security of your finances and your peace of mind are our top priority. Your Viably account funds are held in an FDIC-insured bank, and access to your account is secured with two-factor authentication.
And should you need any assistance, our US-based support team is ready to provide help when you need it via chat, email, or phone.
Join these eCommerce Leaders
See how Viably banking transformed their business
Winning Together: Tailor Made Funding for Success as an Amazon wholesaler
Vlad Kiforishin worked with Viably to build a tailored plan for capital, that would lead him to funding for success as an Amazon wholesaler.
Finding an eCommerce banking partner that truly understands
Michael Shackelford worked with Viably to gain the support and personalized relationship his Amazon business needed to scale profits in home decor.
Changing how an eCommerce business views debt to grow
Michael Corbishley used Viably to grow his Amazon business in the toys and games category, while conquering the fear that all debt is bad.
Tailor Made Funding for Success as an Amazon wholesaler
While Vlad spent over a decade growing his wholesale business without help, a personalized boost of funding has taken his cash flow and sales to even greater heights.
Growing an Arbitrage Business with funding partners to support it
While Sekou grew his business independently for years, he’s adamant that he wouldn’t have gotten this close to his North Star number so soon without Viably.
Finding an eCommerce banking partner that truly understands
Leveraging Viably’s funding and support to its full extent, Michael is confident that the funds will be there when he needs it, a luxury that he’s never had before.
Frequently Asked Questions
What type of lending options does Viably offer for eCommerce businesses?
Viably offers three different working capital products for eCommerce businesses, including:
- Viably Growth Capital (VGC): a one-time infusion of capital to help boost your business and empower you to seize time sensitive opportunities. This is ideal for businesses hoping to take advantage of a busy season, boost a product launch, or invest in something new.
- Viably Cash Advance (VCA): up to 80% of yesterday’s sales in your pocket today, designed to help keep your cash flow moving and prevent those annoying hiccups.
- Viably Wholesaler Accelerator (VWA): recurring funding to keep your cash flow moving and enhance buying power for Amazon wholesalers with a line of credit that grows alongside your business.
All three of these funding solutions are designed to provide capital to your online business at the lowest possible cost for the maximum success and profit. Unlike other online lenders, Viably prioritizes your success as an online seller, meaning that our funding options are intended to be flexible and the capital available will grow with your business.
What can I use funding from Viably for?
No one knows your online business better than you do, that’s why you, the business owner, can decide exactly how to allocate your business funding. Whether you want to use your funding for inventory financing, boosting advertising for a new launch, or even to cover payroll during a busy season, it’s entirely up to you. You can use funding for any expense related to your business. We know that online sellers face unique challenges everyday, that’s why we’re here to provide you with funding solutions to solve them.
Does Viably require a personal guarantee or collateral?
Unlike traditional lenders or small business loan lenders, Viably does not require a personal guarantee or collateral from the business owner in order to qualify for funding. We recognize that eCommerce sellers are in a unique position where they often don’t have inventory on hand but still need the capital to run their business strategically. By reviewing your sales history and getting to know your business on a personal level, our underwriting team is able to confidently make an offer without the time or hassle that comes with traditional loans– helping you run your business more effectively sooner.
What is the application process like for obtaining funding?
To apply for funding simply click here and begin the process. It’s a quick and easy application that requires you to fill out some information about your business and sales history, as well as connect your business bank account(s). After that you’ll be able to view your preliminary offers.
While traditional loan applications can be time consuming and require a lengthy process for approval, Viably’s expedited underwriting process allows you to take advantage of time sensitive opportunities for your online business. Where traditional lenders for small businesses may take weeks, or even months, typically we can have final offers for funding back to you in the span of 1-2 business days.
How quickly can I access my funds if my application is approved?
Once your application is approved, funds will be deposited to your Viably business checking account within 24 hours. At that point you can start using your new working capital immediately to begin growing your business.
What are the interest rates and repayment terms for funding from Viably?
Since Viably’s financing options are not a loan, we’re able to provide tailored rates and repayment terms in the business. All of our funding solutions use a set, one-time fee that’s automatically deducted from your initial payout, eliminating confusing terms while ensuring that the cost of capital remains low. For VGC and VWA customers this fee will be between 4%-8% based on how long your repayment terms are.
After your initial funding distribution, repayment cycles are automatic to create a seamless and streamlined process. Additionally these repayments are aligned with your online business payouts from Amazon or Shopify in order to avoid creating unwanted cash flow hiccups.
How eCommerce Sellers Get Funded
Digital banking designed to quickly access your next round of funding
Apply
Tell us about your eCommerce business.
Connect
Securely connect your marketplace & bank.
Get Funded
Receive funding offers.
