We care about cashflow
We get eCommerce owners back to regular sleep
We know how hard it is to fund a growing eCommerce business. We know that feeling of waking up at 3am worrying about where the money is going to come from to fund the next Purchase Order. We've developed a service to solve that.
We buy your inventory for you, and sell it to you when you need it.
We fund Purchase Orders. We buy your products from your suppliers, paying the full cost of the PO. We then sell the product to you, either over an agreed time or as you sell it.
You don't need the cash in one lump sum, you can spread the cost to match your cashflow. Best case; there's no cash impact at all. You get control over your cashflow again. You decide where to spend it.
The values that drive us
We really solve real problems
We're focused on solving the actual problems that eCommerce founders face. We've founded eCommerce businesses ourselves. We've talked to hundreds of other founders. We know the pain. We can solve it.
We work ethically and sustainably
We're not interested in selling data, or spamming people, or any of the other shady business practices of The Enshittification of Everything. We want to create a better world, a world where eCommerce founders can sleep at night.
We protect our investors
We work fast, move quickly, and often get things wrong. We learn fast and aren't afraid of failure. But we're passionate about protecting our investors and helping our customers. We carry the cost of our failures ourselves.
Customer success is our success
The only way we can help people is if we understand their problems, challenges, and opportunities. We only succeed if our customers succeed. We're invested in making our customers successful.
Why cogsflow?
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Meet the people of cogsflow
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Our company timeline
COGSflow incorporated
Born from the heartache of watching a friends business go under, our founder knew there must be a better for small businesses to access growth capital and insights
First $1M unlocked for merchants
In only six months, we successfully unlocked $1M AUD in sales for our merchants.
Fairtrade Certified
Joined inspiring network of ethically-minded brands to build a more sustainable future
Second $2M unlocked
Fully filled our first cohort of inventory transactions
Second $2M unlocked
Fully filled our first cohort of inventory transactions
First $1M unlocked for merchants
In only six months, we successfully unlocked $1M AUD in sales for our merchants.
Fairtrade Certified ✔
Joined inspiring network of ethically-minded brands to build a more sustainable future
cogsflow incorporated
Born from the heartache of watching a friends business go under, our founder knew there must be a better for small businesses to access growth capital and insights
Ready to work together?
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What do we do?
Cogsflow provides short-term inventory funding designed specifically for ecommerce brands. We pay your supplier upfront so you can keep cash free for growth, then you repay over 8–12 weeks as your stock sells.
Get Funded TodayWhy this matters (the problem)
For most ecommerce founders, growth is limited by cash tied up in stock. Inventory has to be ordered weeks or months before it generates revenue, but traditional finance doesn’t match this cycle, forcing founders to choose between slowing growth or stretching cashflow.
Cogsflow exists to remove that bottleneck, giving founders the capital to restock with confidence, without giving up equity or control
How Cogsflow works
1. Place your order
Order inventory from your supplier and upload the invoice.
2. We pay your supplier upfront
Cogsflow funds the purchase so your cash stays in the business.
3. Repay as stock moves
Once the order is placed, you repay over 8–12 weeks, aligned to your sales cycle.
This structure keeps your business moving without long-term debt, fixed monthly repayments, or personal guarantees.
What Cogsflow unlocks
Cogsflow is designed to fund inventory, because that’s where most ecommerce growth bottlenecks begin.
By funding stock upfront, founders can:
- Reorder faster and avoid stockouts
- Plan launches and promotions with confidence
- Scale without diluting ownership or overextending working capital
- Keep cash available for marketing, logistics, and operating costs
Why Cogsflow is different
Built for ecommerce cash cycles
Cogsflow finances specific supplier invoices, matching how ecommerce brands actually operate: inventory in, revenue out.
Simple, transparent pricing
One clear fee, agreed upfront.
No compounding interest. No hidden costs.
No equity, no personal guarantees
Founders keep full ownership and control of their business.
Designed for long-term partnerships
We’re not a one-off lender. Most founders use Cogsflow repeatedly as they grow, building a funding relationship that scales with them.
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