Live Selling Working Capital
Stop waiting on payouts to restock
The money you're making right now won't hit your account for 8–12 days. Shield gives live sellers a business credit card to buy inventory today — before your TikTok Shop or Whatnot payout even lands.
The payout gap
Your cash is stuck 8–12 days behind your sales
TikTok pays on delivery plus five days. Go a week without streaming to wait on cash and you lose your audience — so restocking can't wait for the payout.
Day 0
You sell live and ship the order
Days 1–3
Package delivered to the buyer
+5 days
Platform hold before funds release
Day 8–12
Payout finally hits your account
“We can make $30K in a week and a half, but half of it we won't see until next month.”
The fix
Buy inventory before your payout lands
A Shield business credit card bridges the gap between the sale and the payout, so you can keep streaming and keep restocking.
- Approved on your business revenue — no personal credit pull
- Works at the retailers and wholesalers you restock from
- Employee cards for every streamer and buyer on your team
- Autopay on your statement date — nothing to track manually
Every category you stream
Built for sellers in every live-selling category
Whatever you stock for your next show, the card works the same way: buy inventory today, pay on your statement date.
Perfume & beauty
Fragrance, skincare, cosmetics and hair. Restock your bestsellers between shows without waiting on a payout.
Health & wellness
Wellness and personal-care products. Keep shelves full while platform holds clear.
Trading cards & collectibles
Sealed boxes, singles and new releases. Buy inventory the moment a drop or a deal appears.
Electronics
Phones, accessories and gadgets from your wholesalers, with team cards for every buyer.
Keep streaming while your cash catches up
No credit check
Approved on your business revenue, not personal credit
Same-day spend
Virtual cards ready to use as soon as you're approved
Team cards
Issue cards for every streamer and buyer
“The credit gives us a breath of fresh air.”
Backed by leading venture capital investors in fintech
How it works
From application to inventory in a day
Apply in 10 minutes
Share your business details and connect your bank — no long forms, no personal credit check.
Get approved in hours
We underwrite on your business revenue and cashflow, so decisions land fast.
Spend on day one
Use virtual cards instantly and issue employee cards to your streamers and buyers.
Autopay on your due date
Your statement balance is paid automatically — your limit grows as your sales grow.
Live seller questions, answered
Stop waiting on payouts to restock
Get a business credit card built for live sellers and buy your next inventory drop today.
No personal credit check · Approval in hours