Capital that flexes with your sales rhythm. Funding for inventory, ads, expansion and the moves that compound revenue - without giving up equity.
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Australian & Kiwi ecommerce brands use Tractor capital to buy inventory, scale ads, and expand into new markets. Built between the bank and the VC - sized for brands doing real revenue, not raising rounds.
Eight example scenarios we see ecommerce brands fund every quarter. Find the one closest to yours, or talk with a strategist about something different.
A snapshot of what growing AU & NZ companies have actually done with Tractor capital.
We fund brands doing $600k+ in annual revenue (or $50k+ MRR for subscription brands).
What we really care about is the trajectory and the unit economics - if your CAC and contribution margin work, we want to hear from you.
Yep - these are the two most common use cases for ecommerce brands on our books.
Whether it's a one-off inventory buy ahead of BFCM, or ongoing fuel on a paid acquisition channel that's already returning, we structure capital around how you actually spend it.
Yes - and this matters for ecommerce.
Our repayments are structured around your revenue, not a flat monthly amount that ignores whether you're in peak or trough.
November looks different to February, and your repayment schedule should reflect that.
Absolutely. A lot of brands come to us specifically to replace expensive short-term capital - alternative short-term lenders, merchant cash advances, BNPL-style supplier financing.
We'll structure something that suits your business, not something that takes a daily cut off the top.
Both. We back Shopify-led DTC brands, Amazon and eBay sellers, brands running on BigCommerce or WooCommerce, and brands selling across multiple channels.
As long as the revenue is real and the unit economics work, the platform doesn't matter to us.
Tractor backs growing Australian & New Zealand ecommerce brands. Learn how other founders we've funded are using debt funding to grow faster, on their terms.
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