Built for ecom operators

Permanently smooth cash flow.

Turn lumpy bills into predictable daily payments.
Try with one bill
15 min demo
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how it works
SMART BILLS

Stop blindly financing. Start planning.

A tool for smart operators who want their bills to behave like a budget — not a fire drill.
01
Set your budget
Pick a number for each bill category — 3PL, freight, tariffs. That's your plan for the month.
02
Olina absorbs the pain
You pay your budget across the month — smooth daily payments instead of lump-sum spikes. Adjust at any point.
03
Net-15 on the rest
Any remainder above your budget is due net-15 — also smoothed out daily, so it never lands as a single hit.
Bill
Invoices
Monthly
Daily w/ Olina
Marketing Spend
Slide to control
Ad spend on Meta, Google, TikTok
Threshold
$50,000 / mo
~$850 / day
Marketing spend

$50,000/mo on Meta, Google, TikTok

Paid this month ~$25,000 ~$833 / day
Deferred net 45 ~$25,000 0% interest
Daily paydown 12%
Defer all Aggressive paydown
Extreme flexibility

Choose what percentage of revenue pays down your ad bill.

Need more cash this month?
Lower it.
Want to stay ahead of the bill?
Raise it.

Because paydown follows revenue: strong months pay more down; softer months move more to net 45.

See ad bill details
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
Ad Bills

Make ad bills follow revenue.

Olina pays Meta, Google, and TikTok. You pay the bill down daily from revenue, then defer the rest net-45 at 0% interest. Keep profitable campaigns running without one big bill deciding your cash flow.
01
Unlock more ad spent
Keep profitable campaigns running without card limits, invoice timing, or cash reserves deciding your ceiling.
02
Stay in control.
Choose how much revenue pays down the bill each day. Raise it when sales are strong, lower it when you want more cash on hand.
03
Align the bill with performance.
Strong days pay more down. Softer days pay less. Whatever remains moves to net-45 at 0% interest.
•  TRADITIONAL CARD OR INVOICE
EOM Cash Flow Crunch
Your platform bill still comes due in one chunk near month-end, whether ads had a strong week or a soft one. Card limits, invoice timing, and cash reserves end up deciding how much you can spend.
  • Profitable campaigns pause when cards max out or invoices come due
  • You owe the bill regardless of how that month performed
  • Cash sits idle waiting for the bill
•  WITH OLINA
Revenue Synced
Olina pays the platforms. You choose the percentage of revenue that pays the bill down each day. Strong sales days pay more; softer days pay less; the remainder moves later.
  • Keep Meta, Google, and TikTok running
  • Make small daily payments from revenue
  • Defer the remainder up to 45 days with no interest
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
15 min demo
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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