Commerce & Trade
Inventory financing on AP velocity, daily revenue-based advances, marketplace payouts to sellers, and procurement cards with budget control — built for businesses that turn inventory into cash on a daily rhythm.
For commerce finance teams
Commerce runs on a daily rhythm — inventory in, revenue out, suppliers paid on net terms, sellers paid on schedule. Theorem underwrites inventory financing on AP velocity and supplier history. Daily revenue from treasury drives RBF advances with repayment as a fixed percentage of daily inflows. Seasonality is built into the structure.
Marketplace participants and sellers receive embedded accounts and instant payouts via RTP rails. KYC, KYB, and 1099 capture run inside the payout flow. Procurement cards enforce budget and MCC controls at point of sale across SKUs and channels.
Value
Three pillars
Built for the daily-cycle business.
Inventory in, revenue out, sellers paid — the rhythm of commerce as a built-in workflow.
Inventory Financing
Working capital underwritten on AP payment velocity and supplier history. Funding sized to inventory cycles and seasonality, drawn against POs and repaid as inventory turns. Net-60/90 supplier terms and revolving credit, in one workflow.
Daily Revenue Advances
Daily cash inflows from treasury drive RBF advance sizing. Repayment runs as a fixed percentage of daily revenue, so seasonality is built into the structure rather than fighting it. No fixed amortization, no separate workflow.
Marketplace Payouts & Spend
Embedded accounts for sellers and marketplace participants, instant payouts via RTP, KYB and 1099 capture inline. Procurement cards enforce budget and MCC controls across SKUs and channels. Channel reconciliation closes daily, not monthly.
Agents in action
Commerce finance, end to end.
Agents that finance inventory, advance against daily revenue, pay marketplace sellers, and reconcile channels — with full audit trails on every event.
Peak season, automated
Q4 inventory build triggers AP coding, daily-revenue advance, and marketplace payout agents that resolve in parallel — inventory funded, sellers paid, channels reconciled.
Forecasting that learns your seasons
Every inventory cycle, sales day, and seller payout feeds back into the model. Advance sizing and reconciliation accuracy compound over the year.
Encode inventory cycles, supplier terms, daily revenue, and channel mix into structured signals.
Tune financing and payout strategies to your seasonality and channel portfolio.
Finance inventory, advance revenue, pay sellers, and reconcile channels with full audit logging.
Each season sharpens advance sizing, payout accuracy, and channel reconciliation.
Inventory in, revenue out, in one platform.
See how Theorem turns daily revenue rhythm into financed inventory and paid-on-time sellers.