Merchant financing

We have collaborated with trusted third-party providers to offer a range of financing products tailored to you, our partners of different sizes. These can help boost your cash flow, allowing you to stay ahead of your stock needs, invest in paid marketing, grow your team, and drive your business forward.

Broaden your financing options with tailored financing solutions made for brands and retailers. Partner with our trusted vetted third-party providers for interest-free, equity-free financing.

Apply online in just a few clicks

Tailor your funding to match your business requirements:  100% online, minimal paperwork, no personal collateral needed.

Get your funds in days, not weeks

Apply within a few minutes. If approved, receive funding as quick as the next working day and use it for inventory, marketing, payroll and more.

Pay as your business scales. No hidden costs

Effortlessly settle payments based on a percentage of your sales or with a fixed amount each month. The loan features a single, predetermined fee with no interest or hidden costs. Enjoy a clear overview of all costs and repayments. No compounding interest. No fixed schedules. No surprises.

We are working on vetting the best third-parties across our key markets to provide a variety of products to support sellers of different sizes. Below are the service providers we have partnered with so far. More vetted service providers coming soon!

We teamed up with Banxware to offer revenue-based instant financing from €1k to €250k. Mainly tailored for high-growth, high-potential businesses with track record of growth and sales with €10k+ average monthly revenues.

Get in touch and find out more with Banxware 

Merchant financing is a product offered by trusted third-party providers that Zalando has partnered with. It enables eligible partners to get access to merchant financing with competitive rates and flexible repayment terms. This can better provision partners to invest in their Zalando assortment and services and achieve their growth objectives. 

The product is currently available for partners whose legal entities are registered in Germany.

• Choose a loan term that suits your business’ needs – up to a pre-qualified amount. 

• Get approved and financed within days with a trusted partner.

• You are free to use the loan however you want: assortment, marketing, employees, etc. 

• Keep your business growing without being limited by your working capital cycles.

• Choose flexible payment terms, from one to 12 months.

• No need for collateral: your performance on Zalando suffices.

1. You fill out the relevant application form linked above.

2. An expert will contact you within one business day.

3. You discuss the requested cash advance and the related terms.

4. You create an account on the website of the trusted provider and upload KYC and sales performance-related data.

5. Once all the relevant data is provided and approved, an offer will be created based on your credit risk and sales performance on the Zalando platform.

6. You accept and sign the agreement.

7. The cash advance will be transferred to your bank account during the next business day. 

• To be eligible for this financing option, you need to have a minimum of six months of historical sales data on the Zalando platform. 

• There will be a fixed fee, which will be automatically debited from your bank account.

• You can choose to pay back the loan over one to 12 months. 

• Your legal entity must be located in Germany.

Please check the provider’s website for more information: 

• Banxware