Parker’s Post

This is by FAR the biggest obstacle to growing a profitable, cash-flowing ecom business: Paying for inventory and ads before you sell. Ecom is tricky because you have to put up lots of capital up front. The process goes like this: 1. Order inventory 2. Create ads 3. Pay for both 4. Keep paying for ads 5. Finally see the revenue By the time you make a sale, you need more inventory and ads just to keep the machine running. Most people accept that this is just how it is. They think credit cards like Amex or Cap One give you a 30-day cushion and that's that. This is false. Yes, expenses on day 1 of your billing cycle get you a full 30 days. But expenses on day 30? You get 1 day. The average "grace period" for most cards works out to about 15 days. Not nearly enough for e-commerce cash cycles. Now what if you could extend your billing cycle to 45 day? Or 60 days? Even 90 days? The impact on your cash flow could transform your business overnight. Parker is an ecom-specific card that gives you: • Limits based on performance, not your credit score • Every transaction gets its own payback period • Up to 90 days to pay back each purchase The result? You can bridge the gap between spending and sales to scale your ad spend, order more inventory, and grow faster. P.S. GymShark is the classic case study on how to extend payment terms to create a negative cash conversion cycle. Link in the comments below.