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Never Pay a Big Bill Again.

The cash flow platform for brands with big bills — marketing, shipping, inventory, freight. We pay them, and you pay small daily repayments.
Try Free for 60 Days15-min Demo
AD SPENDJULY$46,000SHIPPINGJULY$8,4003PLJULY$10,600PURCHASE ORDERSPO — JULY$20,000AD SPENDJULY$46,000SHIPPINGJULY$8,4003PLJULY$10,600PURCHASE ORDERSPO — JULY$20,000
$1,480$1,535$1,450$1,560$1,505$1,490$1,480$1,535$1,450$1,560$1,505$1,490
OLINAMK-I
SMOOTHING — ACTIVE
SMOOTHING UNIT — MK-I
YOUR PAINFUL BILLS — IN
THE DAILY DRIP — OUT
ALL YOUR BILLS — DAILY
NO LUMP SUMS — EVER
Trusted by fast-growing ecommerce brands
Iron & ResinDTC HERITAGE APPARELBAOBABDTC + RETAIL FASHIONBizzFUNCTIONAL GUM FOR FOCUS
FIG. 02 — The Products
One platform. Two jobs.
Cover the marketing that grows you. Smooth the bills that hurt you.
We Cover How You Grow
OLINA
0000  ****  ****  0000
SMOOTH ECOM OPERATOR0% INTEREST
02.A
Ad Flex Card
Customers spend 33% more on ads. Freed-up cash flow goes behind the campaigns that are working.
Repayment auto-syncs with your revenue.
Learn More →
INVOICE#MG-2026-07
Meta — July ads$28,400
Google — July ads$16,600
Total due$45,000
PAID BY OLINA
YOU SETTLE — NET 45
02.B
Ad Invoices
Marketing invoices, paid on Net 45. Meta & Google invoices — paid the day they land.
Learn More →
We Cover Your Big Bills
Shipping · 3PL$1,129 / day
Freight · Import$726 / day
Inventory · PO buys$1,338 / day
COMBINED DAILY$3,193 / day
02.C
Budget Bills
3PL, shipping, freight & inventory, smoothed out. Your biggest lump-sum headaches become one easy daily payment.
Learn More →
Get on Olina and spend more on ads from day one — while every other lump-sum bill is spread out, so big bills never catch you off guard. That's the Olina drip.
Try Olina Free
FIG. 03 — The Macro Effect
Lump-sum bills cost more than stress.
They make you underspend.
Growth quietly left on the table. On ads, inventory — the things that drive the business.
INVOICE — 3PLNº 2026-07
Pick, pack & freight — June$52,000
DUE IN 5 DAYS
Cash parked waiting for the next big bill is capital you can't spend. Free it, and it goes straight back into growth.
"We can experiment with new flavors, because we have more cash."— MORNING WOULD
They make you borrow.
Spread the bills out, and expensive bridge debt never happens.
OPERATING ACCOUNT
JUL 12Shopify payout+$4,100
JUL 13
Bridge advance — MCA
FACTOR 1.32 · PAYBACK $112,200 · COST $27,200
+$85,000
JUL 14Inventory PO−$75,000
COST OF BORROWING$27,200
$75K out at once is not the same money as $2.5K a day. When payments leave slowly while revenue keeps landing, the balance never breaks — so there's nothing to bridge.
Chaos compounds against you.
Smooth payments compound for you.
The Olina drip.
FIG. 04 — Customers
Case Studies
All Case Studies →
Iron & Resin
DTC APPARELIron & Resin
$0
MONTH-END SPIKE
+40%
SPEND LIFT
"Restructuring the big bills to flow with revenue lets us scale when ROAS works."
Thom Hill — CEO, Iron & ResinRead →
Baobab
DTC + RETAILBaobab
0
DAYS LOST TO MAX-OUTS
0
MANUAL CARD PAYMENTS
"A great tool that helped us improve and plan our spend."
Maria — E-Commerce Director, BaobabRead →
FIG. 05 — FAQ
Answers to your questions.
No catch. We earn processing fees from platforms like Meta and Google — not from you. Every bill you can pay via card is always zero interest.
Because you’ll gain flexibility and reduce volatility, so you can invest more confidently and grow faster.
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.
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.
Currently Google Ads, Meta, and TikTok — with more on the way. Increase your spend and drive more revenue.
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.
No, we do not manage campaigns. We are a cash flow tool!
FIG. 06 — Get Started
Never pay a big lump-sum bill again.
Try it with one bill. Zero interest, flat monthly fee.
Try Free for 60 DaysBook a 15-min Demo
ONE BIG BILL$45,000
THE OLINA DRIP$1,000 / day
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