From offer to capital in four steps
No hidden stages. Sending your offer for review is free and non-binding — you only commit when you accept the final terms.
- 60 seconds
Step 1: Request an offer
Receive an email to continue your application.
- ~10 minutes
Step 2: Connect data
We base our final offer on real-time shop and bank data to give you the best offer for your stage of growth.
- 24–48 hours
Step 3: Get a final answer
Our team reviews your real revenue and cash flow, then confirms your terms.
- At your pace
Step 4: Access capital
Receive your funding and start investing in your growth.
Who we fund
Merchant stories
Founders who grew with Mxney
Real webshops across the Nordics and Europe, in their own words.
- businesses funded
- 300+
- in funding deployed
- €50M+
- customers would recommend Mxney
- 8/10
E-commerceI partnered with MXNEY almost 2 years ago. Every year, MXNEY has used their expertise in the e-commerce space to provide insightful reporting of my business’ performance. This has identified strengths and weaknesses which has helped direct focus on the most impactful areas of the business. I have had 3 funding partners and MXNEY has provided the most “hands on” support. Highly recommend them.
Hadrian AubreyFounder, DFYRSdfyrs.com 
E-commerceHighly recommended for webshops that want growth. We have used Mxney in connection with a desire for further growth, where we needed capital but also sparring on how to get it going. We have had great advice all the way through.
Trolle HansenFounder, Kagegrisenkagegrisen.dk 
Technology RetailI have now had MXNEY as a growth partner for about a year, and I am extremely satisfied with the collaboration! The growth of my webshop would not have been possible without their funding and invaluable sparring. Shout-out to Lasse for being a world-class Growth Manager.
Martin Schack KjærgaardOwner, Tech Shoppentech-shoppen.dk 
RetailI have been really happy with the collaboration with MXNEY, which has now been ongoing for almost a year. The team behind MXNEY is extremely professional and consists of highly skilled individuals who genuinely want to see the cases they work with grow and become successes.
Tobias VarvinBusiness Owner, Blossholmblossholm.com 
E-commerceOur collaboration has been really good. Our advisor, Mads, is incredibly competent and very skilled at understanding your case from all angles. It is important to have professionally skilled people to spar with about your business, as it often helps clarify areas where you might have been uncertain. 5 stars from me :)
Victor EnemarkBusiness Owner, Polaxpolax.dk 
FashionMXNEY is great to work with. We started a year ago and thanks to them I can grow my brand much faster. The nice personal contact, good conditions and real e-commerce knowledge make it the ideal partner to grow your brand, without having to give away equity.
Joris GaarthuisBrand Owner, First Amsterdamfirstamsterdam.com
1 of 6Why Mxney
More than money — a growth partner
Funding is only useful if it makes your business grow. Every Mxney agreement comes with the tools and people to make the capital work harder.
Repay as you earn
No fixed monthly instalments. Repayments follow your daily revenue — more on strong days, less on quiet ones — so cash flow stays healthy.
One flat fee, zero surprises
6–15% of the amount you draw. No interest on interest and no early repayment penalties. You know the total cost before you sign.
Draw capital in milestones
Start with one milestone, see the results, then unlock the next. Unused milestones can stay undrawn.
A dedicated growth advisor
A real person who knows e-commerce helps you plan where the capital goes — marketing, inventory or new markets.
Human experience + AI insight
Your advisor brings e-commerce experience; our AI reads your shop and bank data. Together they show where capital will work hardest.
A platform that keeps improving
New reporting, repayment tools and advisor workflows land in your dashboard as we ship them — no switching providers or renegotiating.
“Our advisor, Mads, is incredibly competent and very skilled at understanding your case from all angles.”
Victor Enemark, Polax Compare
Growth capital without the usual trade-offs
How revenue-based funding stacks up against the two options most founders weigh it against.
- What it costs
- Mxney: One flat fee, 6–15%
- Bank loanInterest that compoundsEquity investorA share of your company
- Repayments
- Mxney: Follow your daily sales
- Bank loanFixed monthly instalmentsEquity investorNone — you give up equity
- Ownership
- Mxney: 100% yours
- Bank loan100% yoursEquity investorDiluted
- What you hand over
- Mxney: Read-only shop and bank connection
- Bank loanStatements and spreadsheetsEquity investorPitch deck and data room
- Time to an answer
- Mxney: Usually 24–48 hours
- Bank loanOften weeksEquity investorOften months
- Growth support
- Mxney: Dedicated growth advisor
- Bank loanNoneEquity investorVaries by investor
Mxney compared with a bank loan and an equity investor Feature Mxney Bank loan Equity investor What it costs One flat fee, 6–15% Interest that compounds A share of your company Repayments Follow your daily sales Fixed monthly instalments None — you give up equity Ownership 100% yours 100% yours Diluted What you hand over Read-only shop and bank connection Statements and spreadsheets Pitch deck and data room Time to an answer Usually 24–48 hours Often weeks Often months Growth support Dedicated growth advisor None Varies by investor Free 45-minute call
Rather talk to a human first?
Book a call with a growth advisor. No pitch, no pressure — just straight answers about your funding options.
- Walk through your numbers and the right plan
- Get straight answers on fees and repayments
- Start due diligence on the call if it is a fit
“I have had 3 funding partners and MXNEY has provided the most ‘hands on’ support.”
Hadrian Aubrey, Founder at DFYRS FAQ
Questions, answered
Everything merchants usually ask before sending their offer.
Still unsure? Talk to a growth advisorFree · Non-binding · No credit check
Your offers are 60 seconds away
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