Retail & E-commerce business loans
Retail and e-commerce businesses use working capital loans, MCAs, and inventory financing to stock seasonal inventory and fund growth — with funding in 24 hours.
Industry overview
Retail is brutally seasonal. The National Retail Federation reports that 19% of annual retail sales happen in November–December alone. That means most of the year you're funding inventory and marketing for a holiday outcome you won't bank until December.
Revenue-based working capital and merchant cash advances are perfectly designed for this curve: take capital in August, repay through Q4 deposits, and finish the year with a clean balance sheet. Lines of credit serve the same purpose for owners who want revolving access at lower cost.
For multi-location expansion or a new flagship buildout, term loans of $100k–$1M with 1–5 year amortization spread the cost across the lift period.
Common funding needs
- Seasonal inventory cash demand
- Marketing & ad spend
- Multi-location expansion
- Slow Q1 cash flow
Brick-and-mortar shops and online sellers fund inventory, marketing, and expansion with revenue-based and term financing.
Pros
- Funding tied to deposits scales with sales — fund big in August, repay big in December
- No collateral required for amounts under $250k
- Lines of credit replenish as you repay — perfect for repeat seasonal cycles
- E-commerce sellers approved on bank deposits even with marketplace AR delays
Cons
- Daily/weekly remittance can stress slow Q1 cash flow if you take too much
- MCAs above 30% of monthly revenue are typically counterproductive
- Inventory financing programs may require purchase order collateral and supplier verification
Common mistakes to avoid
Funding ad spend with high-cost capital
If your blended ROAS is 3x and your MCA factor is 1.4, you're effectively at 30%+ APR-equivalent — make sure incremental revenue clears that bar.
Stocking dead inventory with borrowed money
Always check sell-through rate on the SKU you're financing. Slow movers turn into write-downs and an uncovered loan balance.
Mixing Shopify/Stripe in your underwriting story
Lenders underwrite from business bank statements. Shopify/Stripe payouts must hit the business account to count toward approved loan size.
Real-world scenarios
$120k holiday inventory advance
A 3-store boutique pre-bought Q4 inventory in August via a 9-month working capital loan, repaid at $14k/mo through Q4 deposits.
$60k Amazon FBA scaling
An e-commerce seller with $80k/mo in marketplace deposits funded a 4x reorder with a 12-month term loan; ROAS held at 4.5x through the cycle.
Illustrative scenarios based on common deal structures. Actual terms vary by underwriting.
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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
Merchant Cash Advance
Fast capital based on future receivables
- Amount
- $5,000 – $2,000,000
- Speed
- Funded in 24 hours
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses
- Amount
- $5,000 – $1,000,000
- 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
Business Term Loan
Fixed-rate financing for major investments
- Amount
- $25,000 – $5,000,000
- Speed
- Funded in 2–7 days
Top states for retail & e-commerce
All states & provinces — retail & e-commerce
Industry-specific retail & e-commerce financing pages for every state and province we fund.
FAQs — Retail & E-commerce
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