The benefits
No more limits to growth.
Stock up for growth
Avoid under-buying just because funding is unavailable, insufficient, or too expensive. Enable your business to buy the inventory you need to grow.
ZEOS Capital
Flexible growth capital for fashion & lifestyle businesses. Get easier access to the funding you need to respond to demand, buy the right stock, and grow without being held back.
Healthy businesses need capital to grow. But the dynamics of fashion & lifestyle bring a unique set of funding challenges. Brands must pay for inventory and production long before sales revenue comes in, creating long working capital cycles and tying up cash in physical stock.
Access can be a challenge as generalist lenders often don’t align with the timelines of fashion & lifestyle. When lenders offer too little, or no funding at all, brands are forced to under-purchase stock. Timing creates a second challenge: when cash is tied up in inventory, merchants are left without enough liquidity to fund their ongoing business.
ZEOS Capital is built specifically for the pace of fashion & lifestyle. We combine bank-level rates with fintech speed, giving you access to competing financing offers from multiple lenders, rather than a single source.
The benefits
Avoid under-buying just because funding is unavailable, insufficient, or too expensive. Enable your business to buy the inventory you need to grow.
How it works
Your performance data within the Zalando ecosystem is the primary input into the eligibility assessment, ensuring that decisions are based on the most relevant view of how your business is trading.
Performance is assessed in the context of factors such as seasonality, category dynamics and trading patterns that are particularly relevant to fashion & lifestyle businesses.
Overall financial health beyond the Zalando ecosystem is also reviewed, giving financing partners a more complete basis on which to assess your business and determine an appropriate offer.
What we offer
Choose from flexible financing options to support planned purchases, act on in-season opportunities, or manage ongoing working capital needs.
Term Loans
ZEOS Capital is a brand operated by Zalando SE.Valeska-Gert-Straße 5, 10243 Berlin. Zalando SE is not a bank, credit institution, or lender, and does not provide any financial, investment, tax, or legal advice. Zalando SE acts solely as a referrer and technical facilitator. All financial products advertised on this site, including term loans, credit lines, and revolving credit facilities, are brokered and provided exclusively by independent third-party partners (including, but not limited to, Banxware Sales GmbH, SIA Ascend Finance, You Lend, TradeBridge, UniCredit and other partner institutions).
Nothing Zalando SE does, states, or provides on this website can be deemed to have a legally binding effect on the approval, underwriting, or terms of any financial product. All financing offers, specific interest rates, and capital deployments are entirely subject to the credit assessment, eligibility criteria, and final approval of the respective third-party lender, and individual terms and conditions apply.