Grow faster with Myos

Everything you need to know

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Why might ecommerce businesses need working capital?

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What does asset-based financing mean?

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How does Myos financing work and how can I apply for it?

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Repayment terms & how to improve my cash flow?

How would Myos financing benefit my business?

Why would you need extra capital?

As an ecommerce business owner, you know that having a successful online shop requires more than just a great product and a pretty website. One of the most important parts of growing your business is ensuring you have enough working capital to keep the business running smoothly. Here are some ways that Myos financing can help to grow your business:

Fund your business growth channels like product launches, marketing campaigns, and inventory expansion.

Bigger growth channels mean attracting new customers, increasing sales, and taking your online shop to the next level

Myos asset-based financing provides the working capital you need to grow without worrying about running out of cash or disrupting your cash flow.

You can use additional capital for:

Purchasing more inventory
Covering transport costs
Investing in marketing
Launching new products
Renovating or expanding warehouses

🛒 Purchasing more inventory

Additional working capital gives you the flexibility to respond to changes in customer demand and market conditions.

Imagine during peak seasons, you may need to increase your inventory levels to meet customer demand.

With extra Myos capital, there’s no need to worry about running out of cash.


✈️ Covering transport costs

Shipping and transportation costs of your supply chain can be significant expenses for online businesses.

More working capital helps you cover these costs and maintain smooth operations.


📱 Investing in marketing

Fund effective marketing to reach a larger audience and increase sales.

More working capital allows you to invest in marketing and advertising campaigns that resonate with your audience.

Reach out to new customers searching your products using targeted campaigns via a higher marketing budget.


🛍️ Launching new products

Reduce the costs of developing and launching new products.

Additional working capital gives you the resources you need to purchase more products and expand your product line.

With more products to offer, you can attract new customers and keep your current ones coming back for more.


📦 Renovating or expanding warehouses

As your business grows, you may need to upgrade your warehouse or storage facilities.

Working capital can fund logistics improvements like these, ensuring you can handle increased demand.

Meet HomeHarmony

Home decor and furnishings store with €1,500,000 in total yearly revenue.

They recently launched a successful TikTok campaign, which made them popular for their intricate designs, and that made the demand as high as ever.

To process all the new orders, HomeHarmony needed an additional €200,000 in working capital to invest in new inventory, renovate their warehouse, and scale operations.

After thoughtful consideration, they decided to take asset-based funding from Myos.

Grow faster with Myos

Myos financing is perfect for Amazon, eBay, and other B2C & D2C online sellers

Check if your business is eligible:

Your company has a registered office in Germany, Austria, Cyprus, or the United Kingdom (UK).

Your company has been in business for at least 6 months.

Your company has been selling goods for at least 50 days.

Your products will be sold for at least 5€ (EU) or £5 (UK).

Your products are ready for sale.

Decide on the type of financing

How Myos financing works?

Before you request an offer, you need to decide whether you want to get inventory financing or stock financing:

1. Inventory financing allows you to finance your future orders with your manufacturer, where we take care of the deposit and balance payments for you.

Infographic explaining the Myos cross financing.Infographic explaining the Myos cross financing.

2. Stock financing uses your existing inventory as collateral to fuel your store growth. Take the extra capital and invest in any expansion strategy of your choice, such as marketing or new product launches.

Get a free non-binding offer

Here's how the process works:

  • Request a loan by providing the ASINs/GTINs of the products you want to finance and proof of sales.
  • Our AI then evaluates the product and sends you an offer, which usually takes around 24-72 hours.
  • When signing the offer, you can also access additional services through our partners, such as foreign currency hedging, ecommerce consulting or warehouses.
  • Once the contract is signed, payment can be made directly to you or your manufacturer.

Myos partnered with a network of 200+ warehouses in DACH and UK, and over 70+ best-in-class ecommerce service providers - exclusively available to you!

Time Table

Example of a financing process

March, 12th

You receive a confirmation of the approved loan amount and send us back the signed contract.


March, 21st

You receive the payment from Myos to your deposit account.


May, 28th

You receive the first batch of your stock (e.g 10%) and repay a part of the loan back (also 10%).


June, 20th

You receive the second batch of your stock (e.g 50%) and repay a part of the loan (also 50%) back.


July, 31st

You redeem the last batch of your goods and repay the rest of the loan back.


HomeHarmony applied for Myos stock finance

Here’s the details:

Approved loan amount:

Interest fee:
2% per month

Project duration:
10 months

PnL impact:
€725,000 (50%)
revenue growth

February, 1st

HomeHarmony received a confirmation of the approved loan amount and sent us back the signed contract.

March, 1st

They started selling their items a month after the goods were financed.

June, 1st

HomeHarmony repaid 20% of the loan, and Myos released 20% of their inventory for them to sell.

August, 3rd

At month 6, HomeHarmony repaid another 40%.

December, 16th

Finally, they repaid the remaining 40% at month 10, closing the project.

The Impact of the Loan on HomeHarmony's Business

New yearly revenue:

€1,500,000 x 1.5 = €2,250,000 (50% increase in sales)

Cost of the loan for the first three months:

€200,000 x 2% = €4,000, totaling €12,000

From the 4th to the 6th month:

€160,000 x 2% = €3,200, totaling €6,400

From the 6th to the 10th month:

€80,000 x 2% = €1,600, totaling €6,400

The total interest cost for the 10-month loan:

€12,000 + €6,400 + €6,400 = €24,800.

Workflow diagram and cog

New yearly revenue: €1,500,000 x 1.5 = €2,250,000 (50% increase in sales)

Shield and document

Cost of the loan for the first three months: €200,000 x 2% = €4,000, totaling €12,000.

Hand holding coin and bag of money

From the 4th to the 6th month: €160,000 x 2% = €3,200, totaling €6,400.

Shopping trolley and ATM card

From the 6th to the 10th month: €80,000 x 2% = €1,600, totaling €6,400.

The total interest cost for the 10-month loan: €12,000 + €6,400 + €6,400 = €24,800.

Net PnL impact on HomeHarmony's business:
- The increased yearly revenue is €750,000 (€2,250,000 - €1,500,000).
- After subtracting the interest cost of the loan (€24,800), the net PnL impact is €725,200.

By using Myos' asset-based financing, HomeHarmony was able to secure the necessary working capital to meet the increased demand for their products by building up stock in advance and improve their warehouse, resulting in 50% revenue growth and a €725,200 positive PnL impact.

Fair Conditions

Simply pay per use.
No minimum term. No fixed fees.

With Myos, you don't have to pay a fixed or lump sum that would penalize you if you repaid the funding earlier. You only pay a monthly fee on the outstanding capital. Your %-fee depends on your product scoring. If you repay earlier, you will pay less.


Frequently asked questions

1. Is my company eligible?

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To receive funding from Myos, you need to meet the following requirements:
- A registered office in Germany, Austria, Cyprus, or the United Kingdom (UK).
- Company is not a shell or shelf company.
- Your company must have been in operation for at least 6 months.
- A minimum of 50 days of selling goods.
- Your products are sold for at least 5€ (EU) or £5 (UK) and are ready for sale.

2. How long does it take to review my financing request?

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Your financing request should be reviewed within 24 - 72 hours. If you are in a hurry, just let us know, and we will switch on turbo gear.

3. What are the repayment terms?

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Repayment is flexible and can be tailored to your needs. With a loan term up to 12 months, you can pay back the loan early without extra costs, pay back the entire amount on the last day, or even make regular payments. Interest is calculated on the outstanding balance, allowing you to control monthly costs through repayments.

4. How is the interest rate calculated?

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The interest is always calculated on the outstanding balance. For example, if you have received €/£50,000 from Myos and regularly pay it back every month, you will have fewer monthly costs than if you pay back the entire amount on the last day at once. You can therefore control the monthly costs by your repayments.

Any questions? Book a free consultation with us!

Schedule a call