You can’t stall on next season. Flex helps Larroudé stay ahead, with a repayment structure it hadn’t found anywhere else.

The next sale starts with money going out, not coming in.
The right repayment structure gives that spend time to work.

Larroudé is a fashion and lifestyle brand built around the belief that fashion should bring joy. Founded by Marina and Ricardo Larroudé, the brand spans shoes, handbags, clothing and more, with a direct-to-consumer business built around reaching customers wherever they discover what they want next.

For Larroudé, reaching those customers requires strategic upfront investment.

A customer discovers Larroudé, clicks, shops and checks out. The revenue comes in at the end of that journey. The cost of acquiring them came first.

And at Larroudé, that investment is significant. Marketing is the company’s largest operational expense.

‍As the brand grew, so did the amount Larroudé could invest in reaching new customers. But there was a catch: marketing spend leaves the business before the revenue it generates comes back in.

‍That timing matters. Take $10,000 in ad spend. Larroudé invests the money on Day 1. Over the following month, those ads reach customers, drive traffic and generate sales — revenue Larroudé collects as it comes in. By Day 60, when the bill is due, the marketing dollars have already been at work for weeks.

Larroudé found that the opportunity to grow can move faster than the cash available to fund it.

And for Larroudé, paying for marketing upfront could put a ceiling on how aggressively the company could invest. Not because the opportunity wasn’t there, but because every new campaign would compete for the same cash the business needed elsewhere.

‍The challenge went beyond marketing. Larroudé wanted more flexible access to credit, but the friction extended across its financial operations. The finance team was navigating clunky legacy banking portals and poorly designed software, while also managing corporate cards, bill payments and receivables that ended up adding unnecessary complexity to the day-to-day.

The Larroudé brand had built a modern, digital-first way to reach its customers. It needed a financial setup that worked the same way. They needed to replace their financial stack.

The Pain Points

The more customers Larroudé could reach through digital marketing, the more capital it needed to put to work first — before any of those sales came in.Five things sent Larroudé looking for a new financial partner.

• Limited Cash Flow. Marketing is Larroudé’s largest operational expense, and the investment happens before the resulting revenue comes in. Paying for that spend upfront was holding back how aggressively the brand could invest in growth.
• Low Credit Limits. More flexible access to credit was a priority for Larroudé. The team needed a credit structure that could better support the scale and timing of its operating spend.
• No Reward on Spend. With significant budget already going toward paid marketing, Larroudé wanted that spend to work harder. Cash back could offset a portion of marketing costs and improve campaign economics.
• Fragmented Tools. Corporate cards, bill payments and receivables each lived in a separate system, and none of them talked to each other. Legacy banking portals and poorly designed software meant there was no single place to see cash, credit and upcoming obligations side by side — the finance team had to piece that picture together from separate logins.
• Hours Lost to Financial Admin. Piecing everything together was manual work. The finance team spent its time moving between systems — managing payments, forecasting cash flow and tracking obligations by hand — instead of on higher-value financial decisions.

Larroudé wasn’t simply looking for another corporate card. It needed a financial setup that gave the team more control over its cash, credit, spend and day-to-day operations.

The Turning Point

As marketing became a larger part of Larroudé’s growth engine, the limits of its existing financial setup became harder to ignore.

The team wanted more flexible access to credit, a modern banking experience, and an easier way to manage the financial operations behind the business.

That search led Larroudé to Flex.

What ultimately set Flex apart was the way repayment worked.

Instead of requiring Larroudé to fund its largest operational expense on a traditional payment schedule, Flex offered 15-day billing cycles paired with rolling 60-day repayment windows — a structure Martins says the company hadn’t found with another card provider.

For Larroudé, those 60 days changed the timing behind marketing.

The company could put eligible ad spend on Flex and launch a campaign. Over the weeks that followed, customers could discover the brand, shop and buy. Larroudé could collect the resulting revenue before the corresponding card balance came due.