Croissant

Turn your store credit into growth capital.

We buy your store credit up front, sized to your brand. Our shoppers spend it with you at full price, and you work it off in merchandise.

Apply for considerationHow it works
Croissant CapitalSized to your brand
Capital$25K to $5M+Longer terms mean larger amounts
TermsUnder a year to five years
Funded5–8 days from signing
Interest and equityNone

How it works

Like a large wholesale order, paid up front.

We buy your store credit, and our shoppers spend it with you at full price, on your own site and in your stores.

Application to cash24–48 hours5–8 daysApplyReplySignFunded
01

We buy your store credit

We reply within 24 to 48 hours and size the purchase to your brand. Most brands have the cash within 5 to 8 days of signing.

Where shoppers get itCredit dropsCredit backResale payoutsSpend2.9xthe credit
02

Our shoppers spend it at full price

Your credit reaches our shoppers as credit drops, credit back, and resale payouts. On average, shoppers spend 2.9x the credit.

Your store creditWorked offRemaining
03

You work it off in merchandise

Every piece our shoppers buy at full price works off part of the credit.

Croissant Pay

Shoppers spend your credit through Croissant Pay.

Our 200,000+ luxury shoppers pay with the credit in their Croissant wallets and cover any overage with their card of choice. Capital is for brands on Croissant Pay.

  1. 01Croissant Pay at your checkoutShoppers choose Croissant at checkout, online or in store, and the order runs through your Shopify flow like any other.
  2. 02Co-marketing to your listWith a multi-year deal, we market Croissant to your customer list with you and send our shoppers to your site and stores.
  3. 03Monthly reportingWith a multi-year deal, you get a report every month, and both sides see the same record of your credit.
Request an invite to Croissant Pay
Jordan's orderExample order
JordanFirst order with you
Paid with Croissant Pay
Jordan's credit$500
Jordan's card ending 4421$950
Full price, in your Shopify$1,450

Terms

Pick your term.

Deals run from under a year to five years, and longer ones mean larger amounts. You decide where the cash goes, and there's no personal guarantee.

Apply for consideration
Longer terms, larger amountsNo interest · No equity
  • Under 1 yearInventory for a season
  • 2 yearsInventory and marketing
  • 3 yearsA launch or a new category
  • 5 yearsNew stores and growth
  • Inventory
  • Marketing
  • New stores and growth

Shoppers work it down by buying from you at full price.

Common questions

Frequently asked questions.

Most brands are funded within 5 to 8 days of signing. We tell you the size of your round up front, and when the cash will land.

From $25K to $5M+, based on your brand's size and revenue. Longer terms, up to five years, mean larger amounts.

Shoppers pay with the credit in their Croissant wallets and cover any overage with their card of choice. Our shoppers get the credit as credit drops, credit back, and resale payouts, and on average they spend 2.9x the credit.

Yes. Start from $25K over a shorter term, and move to a longer one only if it's working for you.

You sell us store credit and work it off in merchandise as our shoppers spend it. There's no interest and no equity, and the brand stays with its owners.

Nothing changes at checkout. Your full-price sales stay at full price, and shoppers pay what they always have. We buy the credit up front, at a price we agree with you, and you work it off in merchandise as shoppers spend it.

We need Croissant Pay live on your site, and in your stores if you have them. With a multi-year deal, we also market Croissant to your customer list with you and send you a report every month.

Apply

Start with Capital from $25K.

Tell us about your brand and we'll reply within 24 to 48 hours. Most brands are funded within 5 to 8 days of signing.

We'll reply in 24–48 hours