CAPITAL • CBD • E‑COMMERCE • HIGH‑RISK
Working Capital for CBD & High‑Risk Merchants—Without Changing Your Processor
You’ve built the volume—now put it to work. Selective Pay connects established CBD, e‑commerce, and other high‑risk merchants with funding partners who understand your industry, so you can secure growth capital without moving your payment processing.
Why Get Funding Through Selective Pay?
You keep your processing
We don’t use funding as leverage to switch processors. You stay on the rails we’ve already optimized together.
Partners who like your vertical
We work with capital providers specializing in CBD, cannabis‑adjacent, and high‑risk e‑commerce—so you’re not treated like a red flag.
Growth capital, not survival cash
We target revolving facilities, inventory/PO financing, and revenue‑based options sized for real scale.
Single point of contact
We quarterback the process, help compare offers, and ensure terms fit your cash flow and risk tolerance.
What Kind of Funding Can You Access?
1) Revolving Working Capital (LOC‑like)
- Draw as needed; pay interest/fees only on what you use
- Replenish availability as you repay
- Great for inventory buys, marketing, seasonality
2) E‑Commerce Growth Capital
- Funds your supply chain in stages (deposit → production → freight)
- Repay as sales land; scales from $50K to multi‑million plans
- Built for high‑growth CBD/e‑com brands
3) Inventory & PO Financing
- In some cases, finance up to 100% of inventory cost
- Repay as product sells to reduce cash strain
- Ideal for strong sell‑through and tight cycles
Who Qualifies for Selective Pay Funding Partners?
Industry fit
- CBD & hemp (online and brick‑and‑mortar)
- High‑risk e‑commerce (smoke/vape, supplements, niche)
- Other established high‑risk verticals with verifiable revenue
Stage & volume
- 12+ months in business
- Typically $100K+/mo minimum revenue
- Great fit at $500K–$5M+/mo
Use of funds
- Inventory purchases & PO coverage
- Marketing and customer acquisition
- Hiring, expansion, working capital
How It Works
- Quick discovery (15–20 min): We learn your volume, margins, funding need, and timeline so we can match partners.
- Targeted introductions: We bring in 1–2 capital partners that fit CBD/high‑risk e‑com profiles and stay on the thread.
- Docs: Expect bank statements (3–12 months), sales reports, basic financials, and entity details.
- Compare offers: We’ll walk through true LOC vs. MCA, total cost, cash‑flow impact, guarantees/liens, and covenants.
- Choose & deploy: Pick the structure that fits your growth plan. Your Selective Pay processing stays exactly where it is.
Why Use Selective Pay Instead of Going Direct?
Going direct can mean…
- Aggressive MCA “lines” with daily sweeps and heavy factor rates
- Fine print enabling surprise remittances or stacking
- Offers that look like LOCs but are really factoring
With Selective Pay, you get…
- Pre‑screened partners already active in CBD/high‑risk
- An advocate who understands funding and payments
- No processor‑switch requirement just to access capital
- A single point of contact you already trust
Frequently Asked Questions
Do I have to move my processing to get funding?
No. Our program is designed so you can keep processing with Selective Pay. Capital is provided by independent partners and is not contingent on changing your merchant account.
What size facilities are realistic?
It depends on revenue and risk profile. For established CBD and e‑commerce merchants, partners may offer $100K–$500K+ and, for larger brands, potentially seven‑figure facilities.
Is this a real line of credit or an MCA?
Different partners offer different structures. Some provide revolving working capital that behaves like a LOC; others offer revenue‑based financing or inventory funding. We’ll help you understand the differences before you sign.
What does Selective Pay earn from this?
In most cases, we’re compensated by the funding partner as a referral/strategic partner, so you don’t pay extra just because we’re involved. Our incentives are aligned—we want capital that actually helps your growth.
How do I get started?
Click Request Funding Options, share a few details, and we’ll schedule a quick discovery call to map out your options.