What Dowsure does

Dowsure is a Shenzhen-based fintech company founded in 2016 that provides credit lending solutions to cross-border e-commerce sellers in China, primarily those operating on Amazon. Its core product is a digital lending platform that extends working capital to small and medium-sized sellers, with underwriting tied to seller GMV and marketplace performance. The company has facilitated over CNY 35 billion in GMV on Amazon within an eight-month operating window, indicating rapid early traction in a specialized vertical.

The underlying technology is described as AI-powered digital finance, applied to credit decisioning and embedded finance workflows. Dowsure monetizes through interest on loans and financing fees, operating as a B2B fintech with direct enterprise sales to cross-border e-commerce sellers and, increasingly, white-label embedded finance distribution via banking partners. Its stated customer segments are SMB cross-border e-commerce sellers and SMEs more broadly across the Asia-Pacific region.

The business has scaled through multiple funding rounds — including a USD 20 million Series B in February 2022 led by an unnamed global top-tier strategic investor, an HSBC Ventures round in 2023, a China Merchants Venture Capital round in 2024, and an HSBC-led Series C announced in August 2025 — with the latter positioned as a strategic partnership to expand embedded finance for SMEs across Asia-Pacific. Headcount is reported in the 51–100 range, and the company is pursuing US market expansion to serve Chinese cross-border sellers despite ongoing geopolitical tensions.

Name

Dowsure

Website

https://dowsure.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Dowsure is a Shenzhen-based fintech founded in 2016 that provides AI-powered credit lending and working capital solutions to cross-border e-commerce sellers in China, primarily Amazon marketplace SMBs, and is expanding embedded finance across Asia-Pacific via a strategic HSBC partnership.

Ownership category

akta.pro rank

Product category

Cross-Border E-Commerce Financing

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Cross-border e-commerce financing
• Credit lending solutions
• Embedded finance platform
• E-commerce fintech lending
• SME working capital

Headquarters

HQ city

Futian

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Revenue model

1. Credit Lending Services: Provides credit lending solutions for cross-border e-commerce sellers, generating revenue through interest on loans and financing fees

Go-to-market motion1 record

Distribution channels1 record

Core offering

Dowsure provides AI-powered credit lending solutions for cross-border e-commerce sellers in China, primarily those selling on the Amazon platform. The company extends financing against sellers' marketplace GMV, enabling working capital access and inventory purchasing for international e-commerce operations. Its platform has facilitated over CNY 35 billion in GMV on Amazon within 8 months of operation.

Product overview

Dowsure offers a single core product focused on credit lending solutions for cross-border e-commerce sellers operating in China. The company provides financing services that enable sellers to access capital based on their platform performance and GMV.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Lending Solutions for Cross-Border E-Commerce Sellers

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Airwallex: Global cross-border financial platform providing multi-currency accounts, payments, and embedded finance for SMEs, including e-commerce businesses. Comparable in cross-border e-commerce focus and B2B fintech model.
• PingPong: Cross-border payments and financing platform serving Chinese e-commerce sellers, including Amazon operators. Directly comparable in target customer (cross-border e-commerce SMEs) and overlapping lending/financing offering.
• WorldFirst (Ant Group): Cross-border payment and FX platform owned by Ant Group, serving Chinese exporters and e-commerce sellers with multi-currency accounts and financing. Comparable in target customer and cross-border e-commerce finance model.
• Lianlian International: China-based cross-border payment and lending provider focused on e-commerce exporters. Highly comparable in serving Chinese Amazon/cross-border sellers with credit and payment solutions.
• iPayLinks: Cross-border payment and financing fintech for Chinese e-commerce and export businesses. Overlapping target segment and product suite of payments plus seller financing.
• Wayflyer: Revenue-based financing platform for e-commerce brands, providing working capital advances against GMV. Comparable business model of underwriting against online sales data, though focused on DTC brands rather than Amazon sellers.
• Clearco: E-commerce-focused funding platform offering revenue-share capital to online brands. Comparable in using GMV/sales data to underwrite loans for digital sellers.

Broad incumbents

• Amazon Lending: Amazon's own seller financing program, providing credit directly to Amazon marketplace sellers. A direct substitute for part of Dowsure's value proposition, leveraging Amazon's proprietary platform data.
• Stripe Capital: Stripe's embedded lending product offering working capital to businesses based on Stripe-processed volume. Comparable in AI-driven, data-anchored underwriting for digital businesses, though broader than e-commerce alone.

Emerging players

• Hummingbird (Ant Group): Ant Group's cross-border SME financing product for sellers on global marketplaces, leveraging Alipay ecosystem data. Comparable in targeting Chinese cross-border sellers with embedded finance offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds8 records

Investors11 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dowsure