E-commerce & Online Sellers business loans
Online sellers access revenue-based working capital and inventory financing — with approvals based on Shopify, Amazon, or Stripe deposits routed through a business bank account.
Industry overview
E-commerce is now 16% of total US retail sales (Census Bureau Q3 2024). Online sellers face a unique cash-flow bind: ad spend goes out daily, suppliers want 50% upfront, marketplaces hold deposits 7–14 days, and Q4 demands a 3–5x inventory bump on credit.
Revenue-based working capital is the dominant product because deposits scale with sales. Lines of credit work for sellers with strong margins; MCAs make sense for short Q4 bridges.
Critical underwriting note: lenders read business bank statements, not Shopify/Stripe/Square reports. Always make sure marketplace payouts route to your business banking — that's what counts toward your approved size.
Common funding needs
- Q4 inventory cash demand
- Ad spend scaling
- Marketplace AR delays
- Multi-channel expansion
DTC and marketplace sellers fund inventory, ads, and expansion. Note: applications must use business bank account statements, not Shopify/Stripe/Square reports.
Pros
- Same-day approval, 24-hour funding
- Lines of credit replenish — perfect for seasonal cycles
- Approval based on deposits, not credit alone
- Shopify, Amazon, Stripe, and Square deposits all qualify when routed to business banking
Cons
- Marketplace holds (Amazon FBA, Stripe rolling reserves) can compress underwriting if they sit outside business banking
- Daily MCA remittances stress slow Q1 cash flow
- Inventory financing programs require supplier verification and PO documentation
Common mistakes to avoid
Underwriting from Shopify/Stripe payout reports
Lenders read business bank statements. If your payouts route through PayPal or sit in Stripe, set up a daily auto-sweep to your business bank to maximize approved loan size.
Funding ad spend at any cost
If your blended ROAS is 3x and your MCA factor is 1.4, you're at ~30% APR-equivalent. Make sure incremental ad revenue clears that.
Pre-buying Q4 inventory in March
Cash-on-hand for 9 months is expensive. Fund inventory in August/September — close enough to Q4 to bank quickly.
Real-world scenarios
$80k Amazon FBA pre-Q4 inventory bump
A 3-year FBA seller with $90k/mo deposits funded a $80k inventory pre-buy via a 9-month working capital loan, paid back through Q4 lift.
$45k Shopify ad-spend scaling
A DTC apparel brand drew $45k off a $75k LOC to scale Meta ads through Q4, repaid as deposits cleared.
Illustrative scenarios based on common deal structures. Actual terms vary by underwriting.
Lead-gen pre-check
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Eligibility checker
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Underwriting disclaimer: The eligibility checker is a self-reported pre-qualification tool. It does not constitute an offer of credit or a guarantee of approval. Every funded file goes through full underwriting — including bank statement analysis, business verification, and a credit inquiry whose type (soft or hard) is disclosed before you sign. Final terms, rates, and amounts depend on underwriting and the specific lender or program.
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Funding products
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses
- Amount
- $5,000 – $1,000,000
- Speed
- Funded in 24 hours
Merchant Cash Advance
Fast capital based on future receivables
- Amount
- $5,000 – $2,000,000
- Speed
- Funded in 24 hours
Business Line of Credit
Revolving capital you can draw on demand
- Amount
- $10,000 – $1,000,000
- Speed
- Approved in 1–3 days
Top states for e-commerce & online sellers
- E-commerce & Online Sellers in California4-month statements · CA
- E-commerce & Online Sellers in Texas3-month statements · TX
- E-commerce & Online Sellers in Florida3-month statements · FL
- E-commerce & Online Sellers in New York4-month statements · NY
- E-commerce & Online Sellers in Washington3-month statements · WA
All states & provinces — e-commerce & online sellers
Industry-specific e-commerce & online sellers financing pages for every state and province we fund.
FAQs — E-commerce & Online Sellers
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$5,000 to $25,000,000. Free pre-qualification. No upfront fees. Same-day decisions for clean files.