Built for ecom operators

Permanently smooth cash flow.

Turn lumpy bills into predictable daily payments.
Try with one bill
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click to see
how it works

Bills hit all at once. Revenue doesn't.

Olina permanently fixes the bill timing problem.
Bill
Invoices
Monthly
Daily w/ Olina
Marketing Spend
Slide to control
Ad spend on Meta, Google, TikTok
Threshold
$50,000 / mo
~$850 / day
0% daily pay down of ad revenue
Defer more net-45 More daily pay down
Daily payment ~$1,000/day $30,000 paid this month
Deferred 45 days $20,000/mo Zero interest
Day 1 Day 15 Day 30 Day 75
(deferred bill due)

Set Paydown: Choose what percentage of revenue pays down your ad bill. Need more cash this month? Lower it. Want to stay ahead? Raise it.

Pay the Rest Later: Strong sales pay down more of the bill. Softer sales pay down less — and you pay the rest 45 days later.

  • 01
    No maxed-out cards Card limits never gate your scale.
  • 02
    No paused profitable ads Spend through the bill — not around it.
  • 03
    No revenue left on the table Cash stays where it drives sales.
3PL
Weekly fulfillment & storage — invoices every Friday
4 / mo
$75,000 / mo
$2,500 / day
Today's lump-sum invoices Olina daily ($2,500/day)
Day 1Day 8Day 15Day 22Day 30

Your 3PL sends 4 wildly varying invoices every week — $13k one Friday, $40k the next. Olina turns the chaos into $2,500/day, predictable and automatic.

Freight
Inbound & outbound shipping — twice a month
2 / mo
$45,000 / mo
$1,500 / day
Today's lump-sum invoices Olina daily ($1,500/day)
Day 1Day 8Day 15Day 22Day 30

Freight bills land twice a month with no schedule — a $28k hit on day 4, then $17k two weeks later. Olina spreads them into $1,500/day — barely a blip on your balance.

Tariffs
Import duties & customs — one-time
1 / mo
$15,000 / mo
$500 / day
Today's lump-sum invoice Olina daily ($500/day)
Day 1Day 8Day 15Day 22Day 30

Tariffs hit as one massive lump sum, whenever your container clears customs — no warning, no calendar. Olina quietly handles it as $500/day in the background.

Combined daily payment
All 4 bills automated by Olina — the only number you need to worry about.
$5,350/ day
~$850 + $2,500 + $1,500 + $500
A typical month — what really hits your account
Every spike is a lump-sum invoice. The purple band is what Olina pays in its place.
3PL Freight Tariffs Olina · $4,500/day
Day 1Day 8Day 15Day 22Day 30
$135,000 in invoices hit your account on 7 unpredictable days — some weeks brutal, some quiet. Olina pays the same $5,500 every single day instead. Same total. Zero turbulence.
One number

One number. Simple.

One number to plug into your forecast. One number to optimize against. One number to plan growth around.
Quick Demo
customers

Case Studies

DTC apparel
ONE NUMBER BILLING
Iron & Resin
est. ventura, ca
$0
month-end spike
+60%
spend lift, smooth bank balance
"Restructuring the big bills to flow with revenue — with frequent paydowns — lets us scale when ROAS works. Google's strong right now, so we want to accelerate."
Thom Hill
CEO, Iron & Resin
Read the full story
Performance apparel
DTC + retail
BAOBAB
Colombia
0
Days Lost to card Max-outs
0
Manual card payments
"A great tool that helped us improve and plan our spend. We're also really happy to work with such a great team who are always attentive and willing to help with everything."
Maria
E-Commerce Director, Baobab
Read the full story
We're super easy to try. You don't need to switch banks or do anything complicated — just pick your most stressful recurring bill and let Olina smooth it out.
Try with one bill
FAQ

Answers to your questions

Really? There’s NO interest fees? There must be a catch, right?

No catch. We earn processing fees from platforms like Meta and Google - not from you. You just pay a small monthly fee.

I already have decent cash flow. Why should I use Olina?

Because you’ll gain flexibility and reduce volatility, so you can invest more confidently and grow faster.

Why Should I Pay Down Some of the Marketing Bill?

Without revenue-aligned pay down, after the initial 45-day period, you'd return to receiving monthly bills—just 45 days behind schedule. You'd still face large payments that could strain your cash flow. With pay down, this isn't an issue—it maximally smooths your cash flow.

What if my ads don't perform as expected?

Don't worry—that's exactly what we're here for! If your ads underperform, you'll automatically pay less since payments are a percentage of revenue. Plus, you get 45 days to pay any remaining balance, giving you time to optimize your campaigns without stress.

What Ad Platforms do you currently support?

Currently Google Ads, Meta, and TikTok with more on the way! Increase your spend and drive more revenue.

How much control do I have over spending and payments?

Olina gives you more control than ever. You decide how much to pay down in line with your revenue vs. defer 45 days.

‍

Payments are aligned with the peaks and valleys of your revenue.

Does Olina manage my campaigns?

No, we do not manage campaigns. We are a cash flow tool!

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