Who we fund
Ecommerce Funding for Online Sellers, DTC Brands, and Marketplace Stores
Yes, online sellers can get funding, and some lenders base approval on your store's sales data instead of years of tax returns. Ecommerce businesses typically use funding to buy inventory ahead of demand, fund advertising, and cover the time between paying suppliers and getting paid out by marketplaces.
Get matched: ecommerce
The reality
Cash-flow challenges we hear every day.
Paying suppliers months before goods sell
Overseas manufacturers often want deposits upfront and the balance before shipping. With production and freight time, cash can be tied up for months before a single unit sells.
Marketplace payout holds and reserves
Amazon and other marketplaces pay out on a schedule and can hold reserves. Sales on the dashboard do not always mean cash in your account.
Ad spend paid before revenue comes in
Meta, Google, and marketplace ads are billed as you spend, while the return shows up over days or weeks. Scaling a campaign that works requires cash first.
Stockouts that hurt rankings
Running out of a best seller can drop your marketplace ranking and take months to recover. Reordering early protects sales but needs cash on hand.
Best-fit funding
Funding that fits ecommerce.
Ecommerce-specific funding connects to your store or marketplace data to size the offer, and repayment can flex with your sales.
$10K–$2M‡1–5 days*A line of credit lets you pay a manufacturer deposit, then draw again for freight and the balance, paying it down as inventory sells through.
$10K–$500K‡1–3 days*Short-term working capital can fund a large reorder or a seasonal ad push when you need cash quickly.
$10K–$1M‡24–72 hours*A term loan suits longer-horizon investments such as launching a new product line, a warehouse move, or building your own site off the marketplace.
$25K–$2M‡2–7 days*What lenders look for
Typical profile for ecommerce.
Lenders typically look at sales history from Shopify, Amazon, or other platforms, along with bank statements and gross margins. Consistent monthly sales and healthy account standing on marketplaces both carry weight.
Common uses of funds
- Placing large inventory orders with manufacturers
- Scaling paid advertising on profitable campaigns
- Covering gaps from marketplace payout schedules and reserves
- Paying freight, duties, and 3PL fees
- Launching new SKUs or product lines
- Building or redesigning a DTC website
Can Amazon sellers get business loans?
Yes. Several lenders work with Amazon sellers and evaluate sales history and account health directly. You will usually need some months of consistent sales to qualify.
Can I get funding for my Shopify store?
Yes, Shopify sellers can use ecommerce funding products, lines of credit, and term loans. Lenders often connect to your store to review sales instead of relying only on tax returns.
How do I finance inventory from overseas suppliers?
A line of credit or ecommerce inventory funding can cover supplier deposits and balances. Some lenders also offer purchase order financing that pays the supplier directly.
Is revenue-based financing a good fit for online stores?
It can be, since payments rise and fall with sales. Compare the total cost to a fixed-term loan, because flexible repayment can cost more overall.
Funding for ecommerce, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor