Financing
Access merchant financing / cash advance against your store's sales — apply, manage, and repay from XO.
Updated April 28, 2026
Financing gives growing merchants working capital based on their store performance — apply, get funded, and repay automatically from sales. (New.)
How it works
XO assesses your sales history in the platform to pre-qualify an offer, so there’s no lengthy paperwork — funding is tied to the revenue XO already sees.
Apply
- Go to XO Commerce → Financing.
- Review your eligibility and requirements (trading history, sales volume).
- Choose an offer (amount, fee, term) and submit the application.
- On approval, funds are disbursed to your account.
📷 Screenshot: a financing offer with amount, fee, and repayment term.
Manage & repay
- Track the outstanding balance and schedule under Financing → Manage.
- Repayment is typically a percentage of daily/weekly sales, so it flexes with revenue.
- Default/late handling and notifications keep you informed.
Best practices
- Borrow against a clear use (inventory, marketing) with a measurable return.
- Match the repayment % to your margins so cash flow stays healthy.
- Keep sales flowing through XO so eligibility and offers stay strong.
Troubleshooting
- Not eligible yet. You likely need more trading history/volume — eligibility updates over time.
- Repayment seems high. Review the agreed percentage-of-sales and term.