Startups > Ampla

Ampla

Ampla helps consumer brands access flexible growth capital with omnichannel underwriting.

Debt Financing $835M total Founded 2019 New York, New York 125 employees

Ampla is an all-in-one financing platform for omnichannel consumer brands, combining a flexible line of credit, modern banking services (checking account, debit card, corporate Visa card), and data analytics. The platform uniquely underwriters businesses by considering omnichannel revenue streams—including stores, wholesale, and e-commerce—rather than just online sales. Ampla originated over $2B in loans and processed $5T in transaction volume before its acquisition by FundThrough in April 2025.

Problem solved

Growing consumer brands struggle to access flexible, fairly-priced working capital because traditional lenders and fintech platforms ignore wholesale and retail revenue, leaving significant borrowing power untapped.

Target customer

Rapidly growing direct-to-consumer (DTC) and omnichannel consumer brands needing working capital for inventory and marketing, with $1M–$50M+ annual revenue.

Website LinkedIn Crunchbase Twitter / X

Founders

Anthony Santomo

CEO & Co-Founder

Former investment banker who began informal lending to CPG brands, leveraging supply chain knowledge from family connections in the LTL (less-than-full truckload) logistics space.

Jim Cummings

Co-Founder & COO

Former Associate of Principal Investments at Macquarie Group; oversaw Strategy, Finance, and operations at Console Group in Brisbane, Australia.

Jie Zhou

CTO & Co-Founder

Chief Technology Officer; limited public background information available.

Funding history

Series A $40M December 2021 Led by VMG Partners, Forerunner Ventures · M13, Infinity Ventures, Core Innovation Capital

Credit Warehouse $258M September 2023 Led by Goldman Sachs, Atalaya Capital Management · Unknown

Debt Financing $275M December 2023 Led by Waterfall Asset Management, Citi · Unknown

Acquisition Undisclosed April 2025 Led by FundThrough · Unknown

Total raised: $835M

Industries

Financial Services FinTech Lending Software

Pricing

Ampla charges a single APR on its line of credit with no additional fees. Specific rates vary by customer. Not publicly available.

Notable customers

Partake Foods, Bev, Good Planet Foods, Serenity Kids, Carbone Fine Foods, CUTS

Integrations

PLTFRM (commerce acceleration platform serving Amazon, Walmart, Costco, Whole Foods, Target)

Tech stack

jQuery (JavaScript libraries) core-js (JavaScript libraries) Zendesk (Documentation) Webpack Open Graph Module Federation Webflow Ecommerce (Ecommerce) Monsido (Analytics) Google Analytics (Analytics) Sentry (Issue trackers) Google Font API (Font scripts) Apple iCloud Mail (Webmail) Google Workspace (Email) jsDelivr (CDN) Google Hosted Libraries (CDN) HubSpot (Marketing automation) Google Tag Manager (Tag managers) Webflow (Page builders) Sendgrid (Email)

Website

getampla.com/

Competitors

Wayflyer

Focuses primarily on e-commerce sellers; does not explicitly account for omnichannel revenue in underwriting.

SellersFi

Primarily serves e-commerce marketplace sellers; lacks comprehensive banking and corporate card services.

Pipe

Focuses on SaaS companies and recurring revenue businesses rather than consumer brands with inventory and retail needs.

Clearco

Specializes in e-commerce sector working capital; does not integrate omnichannel revenue streams or offer full banking services.

Why this matters: Ampla represents a shift in how fintech approaches consumer brand financing—by recognizing that the future of retail is omnichannel, not e-commerce-only. Its $2B+ in loan originations and $5T in transaction volume before acquisition demonstrate significant traction, and its acquisition by FundThrough signals that omnichannel underwriting has become a valuable capability in the broader lending ecosystem.

Best for: Best for rapidly growing DTC and omnichannel consumer brands that generate revenue across multiple channels (e-commerce, wholesale, retail) and need flexible working capital without traditional lending friction.

Use cases

Inventory Financing for Multi-Channel Brands

A consumer food brand selling through Amazon, Walmart, and its own DTC site needs $500K for seasonal inventory. Ampla's omnichannel underwriting counts all three revenue streams, unlocking a larger credit line than competitors who only see e-commerce sales. The brand repays as it generates sales across all channels.

Marketing and Growth Capital

A beauty brand wants to scale advertising spend across TikTok, Instagram, and retail partnerships simultaneously. Ampla's line of credit and corporate Visa card (with 1.5% cash back) consolidate financing and cash management, while flexible repayment terms adjust if marketing ROI dips.

Cash Flow Management for Wholesale Growth

An emerging CPG company lands a major Whole Foods distribution deal but faces 60-day payment terms while needing inventory upfront. Ampla's platform bridges this gap with working capital, and its banking services (checking account, bill pay) streamline operations across suppliers, retailers, and internal teams.

Alternatives

Wayflyer Choose Wayflyer if your brand is primarily e-commerce focused; it specializes in marketplace sellers but doesn't account for omnichannel revenue.

Clearco Choose Clearco for pure e-commerce working capital with revenue-share models; it lacks integrated banking and omnichannel underwriting.

Pipe Choose Pipe if you're a SaaS company with recurring revenue; it's built for predictable subscription businesses, not inventory-based consumer brands.

FAQ

What does Ampla do? +

Ampla provides an all-in-one platform for consumer brands combining: (1) a flexible line of credit that repays as you generate sales, (2) modern banking services (checking account, debit card, bill pay), and (3) a corporate Visa card with 1.5% unlimited cash back. Its key differentiator is omnichannel underwriting—it evaluates credit based on sales from e-commerce, wholesale, and retail, not just online channels.

How much does Ampla cost? +

Ampla charges a single APR on its line of credit with no hidden fees. The specific rate depends on your business profile and is determined through their proprietary underwriting. Contact sales for a quote.

What are alternatives to Ampla? +

Top alternatives: Wayflyer (e-commerce seller financing), Clearco (revenue-based financing for e-commerce), SellersFi (marketplace seller capital), and Pipe (SaaS/recurring revenue financing). Each has different strengths depending on your revenue model and channels.

Who uses Ampla? +

Rapidly growing DTC and omnichannel consumer brands including Partake Foods, Bev, Good Planet Foods, Serenity Kids, Carbone Fine Foods, and CUTS. Typical customers generate $1M–$50M+ in annual revenue across multiple sales channels.

How does Ampla compare to Wayflyer? +

Ampla uniquely considers omnichannel revenue (retail, wholesale, e-commerce) in underwriting, while Wayflyer focuses primarily on marketplace and e-commerce sellers. Ampla also offers integrated banking services and a corporate card, whereas Wayflyer is capital-only. Choose Ampla if you sell across multiple channels; choose Wayflyer for pure e-commerce focus.