We help eCommerce sellers grow their businesses

Payability empowers eCommerce sellers with flexible funding and tailored cash flow solutions. Since our founding in 2015, we’ve helped thousands of eCommerce sellers scale their businesses by providing over $4 billion in funding.

Why Payability

Entrepreneurship is changing, especially in eCommerce. Small businesses increasingly rely on marketplaces run by huge companies like Amazon and Walmart.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 funding 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 funding 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.


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.


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.


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.


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.


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.

Senior Leadership Team

Keith Smith


Deidre Hudson


Gregor Siwinski

Chief Technology Officer

Maya Pochiraju

Chief Product Officer

Michael Fortugno

VP Finance

Anas Sohail

VP and Head of Sales

Alex DiPaola

Head of Risk

Board of Directors

Scott Lynn


Keith Smith


Ellen Levy

Board Member

Andy Sack

Board Member