PayabilityReviews of payability.com

Payability has been an integral part of the expansion and growth of my business specifically on Amazon. With the constant looming concerns about cash flow the concept that payability has been able to manifest has allowed me to better plan for my inventory, better plan for my payables, better plan for just about everything pertaining to finances with my business. The staff is excellent extremely responsive and quite honestly some of the friendliest people out there. This has been a godsend to my business.

Payability is a long overdue solution for Amazon sellers to be able to grow their businesses and alleviate cash flow constraints from slow disbursement periods. I have been involved in ecommerce since the late 90s. Back before eBay as even really a think. Back when Yahoo had auctions and Amazon had Zshops. Of course, the lead times back then were much greater as there were were a lot of mail in payments such as Money orders and such before other payment solutions entered the playing field. I am an expert in Amazon 3rd Party merchant solutions and have done 9 figure revenue with them. Our business is seasonality, so 50% of revenue is in the months of November and December. As most small business owners, we have less than stellar credit. Suppliers want payment up front before goods are even shipped, so there is the lead time to even get product, then the lead time to either send to FBA or do a merchant fulfilled sale. Then we have to send the product and get paid every two weeks, after paying substantial fees. It limits our growth because we simply can't keep inventory levels that match buyer demand. Combining the factors mentioned above, your cash flow cycle can easily be extended out 90 days. Banks don't give loans. Other companies offer RIDICULOUS interest rates with he explosion of some of these factoring companies. If you take out a $100k loan and you are starting to pay it back via a daily ACH withdrawal the day after the cash is received, realistically your funds you have to work with become closer to $65k-75k. These have to be paid back within 3 months or so, and on that initial $100k loan you are often paying back $120k+. I am afraid to even do the math to see what that looks like as an annualized APR. Payability gives me funds from my sales daily, and at a rate that is on par with conventional lending methods. Payability fees are so low that it is ZERO concern that it will affect my margins or product selection. Customer support is great to deal with as well. Since being with Payability, I have had a LOT less stress. Blood pressure is down, and I can actually grow my business. And best part of this is that they WANT to work with you and help you out. It is a symbiotic relationship that is working out great. I hope to continue to grow with Payability and work on my relationship with them to further my business ventures,

Payability: an invaluable tool for small business Amazon sellers. I've been using Payability for about 6 months now, and it has proved to be a one of a kind tool. Differently from eBay, where sellers are paid in advance, Amazon has its own payment cycles, and Payability provides helpful cash flow injections, on a timely manner and under reasonable costs. I can only hope they create new products and services, all developed towards small business (for instance, Payability Lending, perhaps an improved version of Amazon Lending, with better terms and conditions), among many other ideas. Regardless what may be in the pipeline, as of today, I'm a happy customer. Sincerely, Paulo Pereira Pan Import Export Corporation

Payability is AWESOME! From the initial application process to onboarding and support thereafter, the team is incredibly helpful and available when you call them. For anyone selling on Amazon or Newegg I HIGHLY recommend Payability to help scale your business by having working capital available to you daily. Harold DV INC

Since starting with Payability, this has been a great help with managing my cash flow.

Payability has helped my Amazon Business grow from $4,000/month to $10,000+/month in a very short period of time! We are continuing growth every day! The Payability team is very polite and professional. Also, they are down to earth people that can help you with any questions or concerns. They are quick to fix any problems/mistakes and are very accurate with their accounting. Thanks Payability!

I was initially hesitant to use the service, but thought I would give it a try to see what the value would be. WOW! Fast and friendly service staff, and what a JOY to be able to have access early, even SAME DAY! I'm SO happy I gave the service a chance!

I've been a seller on Amazon for over 4 years. If you are a seller on Amazon or any ecommerce site you can relate to having money flow issues. I started funding my business using high interest rate credit cards. Not having great credit my credit limit was limited. I then discovered Payability they allowed me to get the funds from orders that were made the day before. This allowed me to scale up my business quick because it no longer was determined by how high my credit limit was it was determined on how much I sold. Now the more I sold the more I could list to sell. Payability was a game changer for my business.