MNCs don't pay suppliers cash upfront. They negotiate 60-, 90- and 120-day terms. OceanX AI gives SMEs the same advantage: we become the trading partner that buys your goods, then sells them to you on terms.
A trading partner, not a lender · No personal guarantees · 0% equity
We buy goods in cash from your suppliers and re-sell them to you on terms. A trading partner, not a lender.
Share your numbers. Together we set a purchase budget of $50K–$5M, usually within 3 days. Asking costs you nothing.
We pay your supplier in cash, upfront. Goods leave the factory floor without touching your working capital.
Direct to your warehouse, into Ocean's 3PL, or factory-direct to your retailer's DC, depending on your program.
30–120 days, structured around your sell-through. A transparent flat margin, with no compounding interest. Then cycle the line again.
We buy goods in cash from your suppliers and re-sell them to you on terms. A trading partner, not a lender.
Ocean buys 100% of your order. You repay in fixed weekly installments over 16 weeks, then cycle the line again.
Best for: businesses with their own warehousing who want simple, predictable repayment.
Start with Open Credit →Stock now, pay only as you sell. Goods sit in Ocean's 3PL until you draw them.
Best for: seasonal sellers and e-commerce. Buy the peak now, draw stock as demand hits.
Start with Stock & Release →The retailer issues the PO to OceanX AI. You put down a 30% deposit, we pay your supplier in full, invoice the retailer and remit your margin on payment.
Best for: brands winning retailer POs too large to purchase against their own working capital.
Start with Master Distribution →Adjust the sliders to see how a purchase budget with OceanX AI could unlock stock, revenue and profit, using the real trade margin for your chosen term.
Drag to match your business.
Most customers cycle 2–6× per year, depending on sales cadence.
Our trade margin: 5% base + 3.5% per additional month, flat on resale. No interest, ever. Estimates are illustrative: real terms depend on your suppliers, product economics and our trade review.
Missed sales from stockouts are silent but brutal, so keep the fast-movers in stock.
→At full sell-through, $100K of inventory at 60% margin yields $250K revenue.
→Most customers cycle 2–6× per year depending on sales cadence.
→Without bank loans, personal guarantees, or dilution.
Two numbers: the value of one purchase order and your gross margin. From there you see our trade margin, the margin you keep, the profit per cycle and per year, and the working capital that never leaves your account. The same engine our team uses to build client simulations.
One cycle. All amounts exclude VAT.
What you pay your supplier for this order, excluding VAT.
At 60% margin, a $100,000 order sells for $250,000.
OceanX AI's trade margin is gross on the total: 5% base + 3.5% per additional month. Because it lands on the supplier cost, a higher selling margin absorbs almost all of it.
Bigger orders usually mean better supplier prices. The slice of gross margin you give up to pay our trade margin, you often win back on the buying side, simply because you can now purchase at a larger scale.
OceanX AI's trade margin sits on the supplier cost, not on your price. At a 90-day term it is 12.0% gross on the total, but the margin points you actually give up shrink as your own margin rises.
OceanX AI is a buy-and-sell trade structure. It sits on your balance sheet as short-term trade payables, not debt and not dilution.
| ◈ OceanX AI | Bank loan | Factoring | Equity raise | |
|---|---|---|---|---|
| Balance-sheet treatment | Trade payables | Debt | Off-balance* | Dilution |
| Personal guarantees | No | Usually | Sometimes | No |
| Speed to stock | 3 days to first shipment | Weeks–months | Days–weeks | Months |
| Ticket size | $50K – $5M | Cross-border SME tickets underserved | % of invoices sent | Round-sized only |
| Cost structure | Flat 5–15% margin | Compounding interest | Fees + interest | Forever |
| Scales with growth | Automatically | Re-approval | With receivables | New round |
| What it pays for | Your stock, upfront | General purpose | Only invoices you've sent | General purpose |
| Equity given up | 0% | 0% | 0% | 10–30% |
Hundreds of businesses have unlocked growth with OceanX AI. Here's what our clients have to say.
OceanX AI transformed our cash flow. We were able to scale our inventory by 3× without tying up our working capital. The Stock & Release program gave us the flexibility to grow at our own pace.
The Open Credit facility allowed us to negotiate better terms with our suppliers. OceanX paid upfront, and we repaid as we sold. It's the most founder-friendly arrangement we've used.
What sets OceanX apart is their speed and transparency. From first call to goods leaving the factory took days, not months. No hidden fees, no personal guarantees. Exactly what an SME needs.
We built a trading model that removes every friction point between you and growth.
We buy goods in cash and re-sell them to you on terms. We sit on the trade itself, not on your balance sheet. Not a bank, not a lender, not a factoring company.
Your business stays 100% yours. No equity dilution, no personal guarantees, no covenants or collateral, no hidden fees or setup costs.
Pay us back and buy again: most partners cycle their budget 2–6× per year. It grows with your business, without going back through approvals.
Share your numbers and we set a purchase budget of $50K–$5M, typically within 3 days, with your first shipment right after onboarding.
Suppliers paid worldwide, goods delivered across the US, UK, EU, Canada, Australia, New Zealand, Singapore and Hong Kong. Your supply chain, simplified.
Fixed weekly installments over 16 weeks on Open Credit, pay-as-you-release on Stock & Release, settle-on-payment for Master Distribution. No interest, no surprises.
We work with ambitious brands in established markets that are ready to scale.
SMEs in apparel, consumer electronics, homeware, hardware, sports goods, toys and adjacent sectors that purchase inventory from suppliers.
At least $750,000 of annual revenue, with a couple of years of trading behind you, so we can see your sell-through.
Purchase budgets from $50K to $5M per company, sized on your numbers and your sell-through, usually agreed within 3 days.
Based in the US, UK, EU, Canada, Australia, New Zealand, Singapore or Hong Kong.
No. OceanX AI is a cross-border trading partner. We buy goods in cash from your suppliers and re-sell them to you on terms. We sit on the trade itself, not on your balance sheet. We are not a bank, not a lender, and not a factoring company.
The margin starts at 5% in month one, plus 3.5% per additional month, so 8.5% at 60 days, 12% at 90 days and 15.5% at 120 days. It's fixed upfront: no compounding interest, no variable rates, no hidden fees.
Open Credit (we buy 100%, $0 deposit, fixed weekly installments over 16 weeks) suits businesses with their own warehousing. Stock & Release (up to 70%, goods held in Ocean's 3PL, pay only for stock you draw) suits seasonal and e-commerce sellers. Master Distribution suits brands winning big retailer POs beyond their working capital. Ocean takes the order, buys the goods and delivers factory-direct.
Retailer purchase orders are often far larger than the inventory you could buy against your own working capital. In Master Distribution the retailer issues the PO to OceanX AI: you pay us a 30% deposit and we pay your supplier the full purchase order in cash. Goods ship factory-direct to the retailer's distribution centre, so you never touch them. We invoice the retailer, and once they pay we remit the gross margin on the deal to you, minus our trade margin. That margin is the same as in our other programs: 5% for a 30-day term, plus 3.5% for each additional month.
We agree a purchase budget of $50K–$5M typically within 3 days, and your first shipment usually leaves 3 days after onboarding. Asking costs you nothing and commits you to nothing.
No. None of the three programs asks for a personal guarantee, equity, covenants or collateral. Your business stays 100% yours.
Tell us about your business. We'll respond within one working day, and your first shipment typically leaves 3 days after onboarding.
Three offices, one inbox. Reach the regional lead closest to your business.