Ampla
“Can a fintech lender to consumer brands become their full financial OS — combining working capital, banking, and buy-now-pay-later supply chain tools — before the brands themselves run out of money?”
Founded in 2019 as Gourmet Growth, Ampla pivoted quickly to become a fintech lender targeting consumer brands and e-commerce businesses that lacked the credit history required by traditional banks. It differentiated itself by underwriting omnichannel revenue streams and offering actual lines of credit (with disclosed APRs) rather than merchant cash advances. Around 2022, Ampla expanded beyond lending into business banking — deposits, a Visa debit card, and high-yield accounts powered by Blue Ridge Bank N.A. — aiming to be a full financial OS for startup consumer brands. After struggling amid a consumer brand downturn (reporting in The Information noted the company was seeking buyers and cutting credit lines), Ampla was acquired by FundThrough in April 2025, folding its technology and $2B+ origination track record into FundThrough's invoice factoring platform.