Ecommerce Banking
You'll Love to Use
Continuous working capital, global accounts, cards, payments,
and cash flow analytic tools to scale your global business.
Banking Built For
Ecommerce
Digital banking designed to quickly access your next round of funding.
Viably
- Store multiple currencies, providing flexibility for international transactions without the need for currency conversion.
- Utilize multi-currency debit cards for both advertisements and general business expenses, simplifying your global spending.
- Purchase inventory and pay your vendors in their local currency, reducing exchange rate risks and fees.
- Receive payouts from marketplaces around the world in a variety of currencies, streamlining your global income streams.
- Effortlessly send money to yourself or others anywhere in the world, enhancing your operational flexibility.
- Benefit from debit cards that offer up to 2% cash back on purchases, helping to control and reduce spending costs
Traditional Banking
- No option to hold and manage multiple currencies in a single account, which can complicate international transactions and increase currency conversion costs.
- Debit cards typically do not support multi-currency functionality, limiting their use for international business expenses.
- Receiving international payouts often involves higher fees and longer processing times for currency conversion and transfers.
- Sending money internationally through traditional banks can be cumbersome and expensive, with various restrictions and high fees.
- Limited integration with accounting and marketplace software, and rarely provide tools specifically tailored for the nuanced needs of ecommerce businesses.
Unlock a New Banking Experience
Grow Your Ecommerce Business with the Right Banking & Funding Partner
Simplify Payday
Save time and streamline payouts from ecommerce marketplaces in any currency.
Earn Cash Back
Get cash back when you use your Viably debit card on eligible purchases.
Uncomplicate Transactions
Easily categorize and separate business expenses to uncover trends.
Access to Working Capital
Fast access to funding, with the freedom to do what’s best for your business.
Manage Payments
Effortlessly pay vendors and suppliers and collect payouts from marketplaces.
One-Stop Shop
Funding deposited into the same platform where you bank and build growth plans.
One Account for All Your Needs
The Viably Global Account consolidates your ecommerce financial operations into a single platform, ideal for global business needs. It uniquely supports ecommerce businesses with multiple currencies and offers multi-currency debit cards for advertising and general business expenditures. With a Viably Global Account, you can purchase inventory and pay vendors in their local currency, receive global marketplace payouts, and send money worldwide.
Debit Cards with Cashback
With Viably Debit Cards, ecommerce business owners like you can go global effortlessly. Manage your spending effectively using our debit card, which gives you control to ensure you never overspend. Enjoy up to 2% cash back on every transaction made with Viably cards, directly benefiting from spending your own funds. Plus, streamline and reduce your expense management workload by automating it within Viably’s platform.
Pay and Get Paid, Anywhere
With Viably’s global money movement capabilities, managing your ecommerce operations becomes simpler and more efficient. Easily pay suppliers for inventory through seamless bank transfers without the hassle of currency conversion. Receive payouts from international marketplaces directly into your account in multiple currencies. Plus, effortlessly transfer your earnings back home, wherever you reside, using Viably’s robust banking transfers or card options.
Security. Safety. Support.
At Viably, we prioritize the security of your finances and your peace of mind. The funds in your Viably account are safeguarded, held in an FDIC-insured bank, ensuring the highest level of safety. We bolster security with two-factor authentication, adding an extra layer of protection for your account. Additionally, should you need any assistance, our US-based support team is readily accessible via chat, email, or phone, committed to providing you with the help you need, when you need it.
Frequently Asked Questions
What type of lending options does Viably offer for ecommerce businesses?
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.
Grow With Better
Business Banking Knowledge
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.
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.
How eCommerce Sellers
Can Get Funded
Digital banking designed to quickly access your next round of funding.
Schedule a Meeting with a Growth Specialist
Ready to take your ecommerce business to the next level?
Schedule a meeting with one of our growth specialists today and discover how Viably’s tailored financial solutions can drive your profits and scalability.