By Shahrooz Kohan, CEO of AIMS360 · Published October 1, 2026 · Last updated October 1, 2026
Armor Jeans, a New York denim and private label brand selling to more than 600 retail doors, runs its wholesale orders, inventory and EDI on AIMS360. When its factor capped a key retail buyer at $25K against a $118K order, AIMS360 saw the pattern in Armor's own order data and introduced Resolve, its net terms partner. Resolve approved that buyer for a $76K line, roughly 3x the factor's cap, on Net 60 terms, with funds landing 1 to 2 business days after shipment and collections handled.
This is how an apparel ERP and a financing partner working from the same order data turned a credit ceiling into room to grow, without changing how Armor runs its business.
Measured on Armor's existing order flow, after AIMS360 introduced Resolve net terms alongside the brand's wholesale operation.
Armor Jeans is a New York denim label designed in the Garment District, known for streetwear-leaning fits like its stacked jeans. In about two and a half years it went from newcomer to a recognized name, selling wholesale to more than 600 retail doors across the U.S. and producing private label runs for other customers.
The model is retailer-first: product is priced so stores can sell competitively and still protect margin. That approach drove fast growth, and with it a classic wholesale problem, financing the gap between paying for production and getting paid by buyers.
Day to day, Armor runs wholesale orders, inventory and EDI to its retail accounts on AIMS360, the denim ERP that also became the place where the financing gap first showed up as a pattern.
Armor sells on a deposit-then-produce cycle. A customer puts down 30%, Armor produces the order, and the balance comes due on net terms at shipment. That leaves real cash tied up in production for weeks at a time. To bridge it, Armor used a traditional factoring arrangement, and on this account the limits started to cap growth.
AIMS360 saw the pattern before it became a phone call. Armor's order volume, buyer activity and credit approvals all run through the same platform, because AIMS360 manages factor approvals and assignments inside the order workflow. So when a six-figure order came back with a fraction of it approved, it showed up as a bottleneck in the data, not just a frustrated conversation.
Armor's wholesale model was a natural fit for embedded net terms, so AIMS360 referred the brand to Resolve, its financing partner. For Armor the appeal was immediate: keep offering terms to retailers, the thing that made it competitive, while handing the credit risk and collections to someone else.
“Working with Armor Jeans, we were able to see where their order volume was beginning to outgrow the limits of their existing factoring structure before it became a barrier to growth. That visibility is exactly why we built this partnership: so consumer brands don't have to choose between taking the order and having the financial capacity to fulfill it.”
Shahrooz Kohan, CEO, AIMS360
Working from the pattern AIMS360 had surfaced, Resolve built a net terms program around how Armor already sells. Details on how the connection works are on the AIMS360 and Resolve integration page.
Resolve ran automated credit checks and approved Armor's key retail buyer for a $76K line, roughly triple the $25K cap. As that buyer builds a repayment record, the line steps up, with room to grow toward $150K+ invoices after a few successful transactions.
Resolve advances 80% of each invoice on the larger line, with funds reaching Armor's account 1 to 2 business days after the order ships.
Terms run Net 60 from shipment, aligned to Armor's deposit-then-produce cycle. Each advance is tied to shipment confirmation, a checkpoint Armor already tracks in AIMS360.
Resolve chases late payments and manages collections on the buyer accounts, with no separate software fee. Because Armor was already absorbing about 3% in card fees, the cost of terms lands in roughly the same range, but now buys a larger line and handled collections.
“Apparel is the hardest version of the net terms problem. Orders ship in waves, retailers pay on their own calendar, and the brand ends up acting as the bank. AIMS360 ERP already holds the order, the invoice and the customer record, so Resolve can underwrite the buyer and fund the invoice without anyone rekeying a thing. A fashion brand running AIMS360 can offer Net 30, 60 or 90 and still have the cash in one to two business days.”
Chris Tsai, Co-Founder and CEO, Resolve
Because the program runs on Armor's existing order flow, the comparison is direct.
| Area | Before | After |
|---|---|---|
| Key buyer line | Capped at $25K on a $118K order | Approved for $76K, about 3x, and growing |
| Advance rate | 80% of each invoice | 80% of each invoice, on a much larger line |
| Credit and collections | Carried by Armor | Handled by Resolve |
| Speed to cash | Balances held back | Funded 1 to 2 business days after shipment |
| Cost of terms | About 3% in card fees absorbed | Roughly in line, now buying a bigger line plus collections |
| Operations | Orders, inventory and EDI on AIMS360 | Unchanged, still on AIMS360 |
Armor's story is not an argument against factoring. Factoring remains one of the most common ways apparel brands finance wholesale, and AIMS360 integrates with more than a dozen factoring partners. The point is fit: different accounts and stages of growth call for different tools, and many brands use both.
AIMS360 does not lend money or advance funds itself. It is the operating system the financing runs on: the order, the invoice, the shipment confirmation and the customer record live in AIMS360, so a factor or a net terms partner can work from the same data without rekeying. See every option on the apparel financing integrations page.
None of this required Armor to change how it runs. Wholesale orders, inventory and retailer EDI stayed on AIMS360 throughout, so the new terms slotted into an existing workflow instead of adding a second one. AIMS360's EDI is built in-house, with connections listed on the EDI retailers page.
The same order data that flagged the original bottleneck now gives Armor and Resolve a shared view of volume and buyer activity, so financing keeps pace as Armor grows into national retail instead of being renegotiated order by order. For brands that also take card and ACH payments directly, AIMS360 Pay runs in the same system.
What wholesale apparel and denim brands ask most about factoring, net terms and how an ERP fits in.
Embedded net terms are the main alternative. A partner such as Resolve underwrites each retail buyer, advances most of the invoice within a day or two of shipment, and handles collections, while the brand offers the retailer Net 30, 60 or 90. Many apparel brands use net terms alongside factoring rather than instead of it. AIMS360 supports both on the same order data, as the financing integrations page shows.
Factors set credit limits per retailer based on that buyer's credit history and payment record. New stores, small independents and buyers with thin credit files often get low limits or declines, which caps how much a brand can ship to them on terms. In Armor Jeans' case, a key buyer was capped at $25K against a $118K order.
Use a net terms partner that takes on the buyer credit risk and collections. With Resolve, Armor Jeans offers Net 60 from shipment, receives 80% of each invoice 1 to 2 business days after shipment, and Resolve collects from the retailer. The brand keeps the selling advantage of terms without acting as the bank.
No. AIMS360 runs factoring and embedded net terms side by side, so a brand can keep its factor for the accounts it covers well and use net terms where limits are too tight or buyers are too new. AIMS360 integrates with more than a dozen factoring partners and manages factor approvals and assignments in the order workflow.
Armor Jeans runs on AIMS360, which manages its wholesale orders, inventory and EDI to more than 600 retail doors. AIMS360 also introduced Armor to Resolve for net terms financing, which runs on the same order and invoice data.
AIMS360 holds the order, invoice, shipment confirmation and customer record, so Resolve can underwrite the buyer and fund the invoice without anyone rekeying data. Funds are tied to shipment, terms can run Net 30, 60 or 90, and Resolve handles collections. Setup details are on the AIMS360 and Resolve page.
No. AIMS360 is the apparel ERP the financing runs on. Capital and terms come from financing partners: factors, or a net terms partner such as Resolve. Because the order and invoice data already live in AIMS360, those partners can make faster, better-informed credit decisions.
Denim is a core AIMS360 vertical. The platform handles waist and inseam size grids, wholesale and private label orders, retailer EDI, and financing through factors or net terms partners. Armor Jeans, MOTHER and True Religion have all run on AIMS360. Start with the denim ERP page.
About the author
Shahrooz Kohan, also known as Shawn Kohan, is CEO and co-founder of AIMS360, the consumer brands ERP. AIMS360 has served consumer brands for 40+ years, currently powers 600+ active brands, and has processed $45B+ in transactions.
How a custom golf apparel business rebuilt itself on AIMS360 and RepSpark: three business lines, no home-office headcount added in five years, and wholesale collections on AIMS360 Pay. Read the Full Turn case study or browse all AIMS360 case studies.
If credit limits are capping what you can ship, bring your retailer list and order history. We will show you how AIMS360 runs factoring and net terms on the same data.
Published October 1, 2026 · Last updated October 1, 2026 · Figures from the joint AIMS360, Resolve and Armor Jeans case study.
