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 charge 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 charge card bridges the gap between the sale and the payout, so you can keep streaming and keep restocking.
- $30K starting limit, with increases tied to your sales growth
- Approved on your business revenue — no personal credit pull
- Works at Apple, Best Buy, and your wholesalers
- Employee cards for every streamer and buyer on your team
- Autopay on your statement date — nothing to track manually
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 charge card built for live sellers and buy your next inventory drop today.
Apply in 10 minutesNo personal credit check · Approval in hours