Merchant Financial Group offers factoring services that help fashion brands maintain cash flow by providing production & receivable financings, credit protection, and receivables management. AIMS360 apparel ERP integrates with Merchant Financial Group to automate credit approvals, streamline invoice assignments, and track factored receivables, allowing brands to effectively manage their finances and focus on growth.
Get non-recourse factoring, customer credit protection, PO financing, and asset-based lending — wired directly into the apparel order management system that runs your wholesale, DTC, and production. Less re-keying. Faster cash. Smarter risk.
AIMS360 is a cloud-based apparel ERP and fashion management software that integrates with Merchant Financial Group — a privately held New York-based commercial finance firm — to give fashion brands non-recourse factoring, purchase order financing, asset-based lending, DTC financing, and credit protection without leaving their factoring and financing workflow.
Merchant's three pillars — Grow, Protect, and Prosper — map cleanly onto the parts of the AIMS360 fashion ERP your team uses every day.
Fund the next collection without diluting equity. Merchant's full lending stack plugs into AIMS360 orders, invoices, and inventory.
Know which buyers are creditworthy before you ship. Merchant's credit team and retailer relationships do the heavy lifting.
Merchant goes beyond money. Their brand licensing division opens doors to partnerships that compound your AIMS360-managed catalog.
From the moment an order is entered to the day cash hits your bank, the two systems stay in sync. Here is what your team actually does — and what happens automatically.
Your sales or order entry team submits the customer and order amount to Merchant's credit team — without leaving the AIMS360 omnichannel order management system.
Merchant's response — approved, partial, or declined — lands directly on the order so you know your coverage before you ship to major EDI retailers.
When the AIMS360 fashion ERP generates the invoice at shipment, the assignment to Merchant happens in the same flow. No re-keying, no spreadsheets — and your built-in EDI handles 810 invoice transmission to retailers in parallel.
Merchant advances a percentage of the invoice value the same week you ship. Working capital lands in your account instead of waiting on net terms.
Merchant chases the receivable using their retailer relationships. The AIMS360 accounting module reflects payment status so AR aging and reporting stay accurate.
Big seasonal order? Merchant can layer purchase order financing or asset-based lending on top — without ripping up the integration. Combined with AIMS360 PLM and production, you get full visibility from cut ticket to cash.
A glossary of the financing terms apparel founders ask about, defined in plain English.
Everything apparel brands ask before connecting AIMS360 to Merchant Financial Group.
The AIMS360 + Merchant Financial Group integration connects the AIMS360 apparel ERP directly to your factor. Customer credit checks, invoice assignment, and receivables tracking flow automatically between AIMS360 and Merchant — so your team stops re-keying data and your cash hits the bank faster. The integration is built into the AIMS360 order management and accounting modules with no third-party middleware required.
Merchant Financial Group is a privately held commercial finance firm headquartered at 1441 Broadway in New York, with offices in Los Angeles and Boca Raton, Florida. They provide non-recourse factoring, PO financing, asset-based lending, DTC financing, credit protection, and collections to apparel brands and consumer product companies. Their differentiator is being founder-friendly and offering an in-house brand licensing division — a service most factors on the AIMS360 financing partner list do not provide.
Non-recourse factoring means Merchant takes on the credit risk if your approved customer fails to pay due to financial insolvency. Inside the AIMS360 order management system, you assign invoices to Merchant the moment you ship. Merchant advances a percentage of the invoice value to fund your operations, then collects from the retailer. You get cash now instead of waiting 30, 60, or 90 days. Compare this to CIT or Hilldun — both also offer factoring through AIMS360.
Yes. The AIMS360 Direct integration to Merchant Financial Group lets your sales and order entry team request credit approvals on customers and orders directly from inside the apparel ERP. Merchant's in-house credit team reviews the request and the approval status flows back into the order — so you know whether you're covered before goods leave the warehouse, especially critical when shipping bulk EDI orders to major retailers like Nordstrom, Macy's, or Saks.
Yes. Merchant opens letters of credit with your overseas and domestic factories through their PO Financing service. This is especially useful for apparel brands that win a large wholesale order or hit a seasonal sales spike and need to fund production above their existing line of credit. PO Financing layers alongside non-recourse factoring so you can fulfill the order, ship it via your 3PL or in-house warehouse, then immediately convert the receivable to cash — without diluting equity.
Asset-Based Lending (ABL) gives you a revolving line of credit secured against your receivables, inventory, and other tangible assets. It works well for fast-growing apparel brands and direct-to-consumer companies that have inventory tied up but need working capital to fund the next collection. ABL fits brands that have outgrown traditional factoring — explore the full AIMS360 factoring and financing integrations to see which option matches your stage.
Yes. Merchant has a dedicated Direct-to-Consumer Financing program. They establish a revolving line of credit by leveraging your DTC receivables, inventory, and tangible assets. Combined with the AIMS360 omnichannel DTC order management integrations for Shopify, Amazon, and Faire, you can fund both wholesale and DTC growth from one financing partner instead of juggling separate lenders.
Merchant runs in-house credit departments that vet your retail customers and guarantee credit coverage on approved buyers. They also handle collections, leveraging working relationships with thousands of retailers. This typically means quicker payment cycles than chasing invoices yourself, and protection against bad debt when major retailers face financial trouble. AIMS360 reporting shows your covered exposure in real time.
Most AIMS360 customers who already have a relationship with Merchant Financial Group can be live on the integration within a few business days once both sides exchange credentials. New brands signing with Merchant work through underwriting and onboarding in parallel — your AIMS360 implementation team coordinates directly with Merchant's onboarding contact to keep things moving without delaying your go-live.
Customer credit limit requests, credit approval status, invoice assignments at shipment, invoice amounts and aging, customer payment data, and chargebacks all flow between the two systems. The result is one source of truth for your accounts receivable position — your AIMS360 reporting, accounting, and AR aging stay accurate without double entry.
Merchant works with a wide range of business sizes — from emerging founders raising their first wholesale collection to established mid-market and enterprise apparel brands. Their tagline is "we're entrepreneurs like you," and they explicitly position themselves as a partner for founders who want a privately held alternative to big-bank lending. Whether you're doing $2M or $200M, the AIMS360 inventory control system and Merchant's financing scale together. See AIMS360 pricing for software costs.
Beyond financing, Merchant operates a brand licensing division that connects manufacturers with brand owners to create long-term licensing partnerships. This is unique among factors and gives AIMS360 customers a path to monetize a brand or expand into new product categories through strategic alliances. Merchant calls this their "Prosper" pillar, alongside "Grow" (working capital) and "Protect" (credit & collections).
AIMS360 integrates with a wide list of factors and lenders including CIT, Hilldun, Rosenthal Capital Group (formerly Rosenthal & Rosenthal), Hana Financial, HSBC, Milberg Factors, Wells Fargo, White Oak, Webster Bank, Truist, First Capital, and SLR Business Credit. Merchant's main differentiators are non-recourse factoring with founder-friendly terms, an in-house brand licensing division, and a full lending stack — factoring, PO financing, ABL, and DTC financing — under one roof.
Compare your options across the full AIMS360 financing partner network.
Stop juggling spreadsheets between your factor and your ops team. See how the AIMS360 apparel ERP system + Merchant turns wholesale orders into working capital — automatically.
