E-commerce Business Funding Guide
Financing options specifically designed for online retailers and digital stores
Best Funding Options for E-commerce
Revenue-Based Financing
Amount: $10K-$500K▼
Revenue-Based Financing
Best For
Fast-growing stores with consistent sales
How It Works
Based on monthly revenue, not credit score
Common Uses
Inventory, marketing campaigns, scaling operations
Inventory Financing
Amount: $25K-$2M▼
Inventory Financing
Best For
Purchasing large inventory orders
How It Works
Inventory serves as collateral
Common Uses
Seasonal stock, bulk orders, new product lines
Amazon/Shopify Capital
Amount: $1K-$250K▼
Amazon/Shopify Capital
Best For
Sellers on these platforms
How It Works
Automatic qualification based on sales data
Common Uses
Inventory, ads, business expansion
Business Line of Credit
Amount: $10K-$250K▼
Business Line of Credit
Best For
Managing cash flow gaps
How It Works
Revolving credit, pay interest only on what you use
Common Uses
Short-term needs, bridging payment gaps
What You'll Need to Qualify
Monthly Revenue
$10K+ in monthly sales
Time in Business
3-6 months minimum operating history
Bank Statements
3-6 months showing consistent deposits
Platform Data
Shopify, Amazon, or other sales records
Credit Score
580+ (some lenders more flexible)
Legal Documents
Business license, EIN, formation docs
How E-commerce Businesses Use Funding
Scale Ad Campaigns
Fund Facebook/Google ads during peak seasons
Buy Inventory in Bulk
Negotiate better wholesale prices with larger orders
Launch New Products
Test new product lines without depleting cash reserves
Manage Cash Flow
Bridge gap between paying suppliers and getting paid
Seasonal Preparation
Stock up before Q4 holiday rush
Scale Your E-commerce Business Today
Get funding based on your online sales, not your credit score
Get Your Funding →