We help eCommerce sellers grow their businesses

Payability empowers eCommerce marketplace sellers with flexible funding and tailored cash flow solutions. Since our founding in 2015, we’ve helped thousands of marketplace sellers scale their businesses by providing over $1 billion in financing.

Why Payability

Entrepreneurship is changing, especially in eCommerce. Small businesses increasingly rely on marketplaces run by huge companies like Amazon, Walmart, and Jet.com to sell their products. But getting paid out in full by those companies for sales can take weeks, even months. Receivables are coming in later and later, but payables are due weekly, daily, or even hourly for some sellers. And that’s just to stay afloat.

Marketplace sellers don’t have time to wait if they want to expand quickly. They need cash flow to buy more inventory, launch new products, and get the best possible deals from suppliers. That’s where Payability comes in. We provide capital based on eCommerce sales with our Instant Access and Instant Advance products. Our goal is fast, friction-free financing for every eCommerce entrepreneur, no matter what marketplace they’re selling on.

Who we are

We’re a dynamic, growing team based in New York City focused on supporting eCommerce sellers. Call us at 646-494-8675 (Monday through Friday, 9am to 6pm EST) to talk to one of our awesome team members about Payability. In addition, we’re always looking for talented people to join the team and help us fulfill our mission of bringing friction-free financing to small businesses and entrepreneurs. See our Careers page.

What we believe in

Value our Customer

We know that our product can be the key to our customer’s growth. We prioritize customer satisfaction in everything we do, because their success is our success.

Empowered

We require each other to take ownership and deliver the best results. We hold each other accountable by always asking why and challenging the status quo, because only an empowered team can be an effective team.

Speed

We know that time is money. We take a results-driven approach, rapidly learning and iterating, because as a startup, speed is our primary competitive advantage.

Transparent

We believe that by making data and information easily accessible, we position our customers and ourselves for success. We practice open and frequent communication and broadcast our mistakes, because learnings are only valuable when they are shared.

Engaged

We enjoy the journey and bring out the best in each other. We are committed to our team, because this isn’t a sprint or a marathon, it’s a relay.

Diverse

We believe that great ideas are in all of us, and diverse backgrounds and viewpoints make us all better. We are committed to a work environment where everyone must contribute in order for all of us to succeed.

Meet our team

Scott Lynn

Founder

Keith Smith

Co-Founder/CEO

Jim Shook

Chief Marketing Officer

Gregor Siwinski

Chief Technology Officer

Michael Fortugno

VP Finance

Anthony Mansfield

Head of Sales

Sneha Raisinghani

Head of Product Management

Mareike Turner

Head of Client Services

Alex Sklar

Head of Business Development

Nick Ruggieri

CPA Assistant Controller

Russ Cloughen

Account Executive

Mike Reiney

Business Development Associate

Eric Marschhauser

Account Executive

Jake Mahon

Risk Manager

Gina Ciavarelli

People Operations Associate

Pooja Patel

Product Manager

Rebecca Miller

Senior Client Services Associate

Wendy Qi

Product Manager

Alex Moore

Growth Accounts Manager

Shreyas Joshi

Machine Learning

Nina Noll

Director of Finance Operations

Megan Nelson

Client Services Associate

Alison Sperling

Director of Marketing

Alex DiPaola

Risk Manager

Victoria Sullivan

Marketing Manager

Nick Arduino

Portfolio Risk Analyst

Michelle Delgado

Client Services Associate

Alden Bohrmann

Designer

Michael Kobajlo

Product Manager

Nayan Gokharu

Finance Operations Analyst

Eric Trujillo

Client Services Associate

Jordan Brown

Finance Intern

Bob

Amazon Seller