AccrueMe Officially Launches Institutional Credit Facilities for Established Ecommerce Brands

SAN JUAN, Puerto Rico, SAN JUAN, Puerto Rico, September 17th, 2026, FinanceWire

Non-dilutive credit facilities with transparent, fixed pricing and deferred payments give scaling brands on Amazon, Shopify, Walmart, and TikTok Shop an alternative to bank friction and high-cost merchant cash advances.

AccrueMe, a private capital firm that has financed ecommerce growth since 2018, today announced the launch of AccrueMe Private Credit, an institutional-grade credit facility built for established brand owners and brand-direct merchants generating $1 million to $25 million in annual revenue — and select brands up to $50 million.

AccrueMe Private Credit provides revolving credit facilities typically ranging from $100,000 to $5 million at fixed, transparent rates generally ranging from 10% to 18% simple annual interest — with no required monthly payments and repayment deferred for up to three years. Capital is non-dilutive: brands take on no equity partners and give up no ownership or control. Funding decisions are made in days rather than the weeks or months typical of traditional lenders.

"Established ecommerce brands have been stuck choosing between banks that are slow and rigid and merchant cash advances that are fast but punishing," said Sam Kotch, Co-Founder of AccrueMe. "We built a facility that gives them institutional terms with the speed and flexibility their businesses actually run on — often at terms banks and advance providers can't match for a healthy, growing brand."

The launch comes as the ecommerce seller base consolidates around larger, more durable operators. According to Marketplace Pulse, the number of active Amazon sellers worldwide fell from roughly 2.4 million in 2021 to about 1.65 million by the end of 2025 — even as the number of sellers generating $1 million or more in annual sales climbed past 100,000, up from around 60,000 in 2021. These established, profitable brands are exactly the operators most underserved by traditional capital: banks remain slow and documentation-heavy, while many alternative lenders rely on high effective costs and rigid repayment. AccrueMe's model is designed to fit how they actually operate — the facility scales with the brand, pricing is known up front, and repayment flexes with cash flow rather than draining it through fixed monthly payments.

Since 2018, AccrueMe has deployed capital across hundreds of ecommerce businesses and today supports a portfolio generating nine figures in annual revenue. The firm pairs that track record with proprietary technology that integrates directly with ecommerce marketplaces to underwrite and monitor brand performance in real time.

"When we started AccrueMe, we were making small investments in many very small ecommerce businesses. Today we write much bigger checks — on some of the most borrower-friendly terms in ecommerce — to a smaller group of elite operators. Two years ago, the brands we funded averaged under $1 million a year in Amazon sales. Today, they average around $9 million — a tenfold jump in just two years. Those are the businesses surviving and scaling in ecommerce, and they're exactly who we built AccrueMe to back," said Ben Kotch, Co-Founder of AccrueMe.

Brands can learn more or apply at accrueme.com.

About AccrueMe

AccrueMe is a private capital firm providing transparent, flexible growth capital to established ecommerce businesses on Amazon, Shopify, Walmart, and TikTok Shop. Founded in 2018 and headquartered in San Juan, Puerto Rico, AccrueMe offers a modern alternative to traditional bank funding and high-cost alternative lenders — competitive institutional pricing, non-dilutive and transparent structures, and deferred repayment, backed by proprietary ecommerce technology. Users can learn more at accrueme.com.

This release is for informational purposes only and does not constitute an offer to lend or extend credit. All financing is subject to application, underwriting, and executed written agreements. Terms described are representative and vary by business.

Contact