Funding for online stores sized from your payout history. FICO 500+ considered, soft pull to start, about three months of bank statements.
Check My OptionsBad Credit Ecommerce Funding
Steady marketplace and storefront deposits show how your store really performs. We weigh that history so one rough patch on your credit report is not the whole conversation.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified stores.
We start with a soft credit pull and give real weight to how regularly your payouts arrive.
Your offer lists the total repayment amount before you accept, with no surprise costs after you sign.
The payment schedule is in the offer from the start, so you can plan it around reorders and ad spend.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of online sellers built a real business while their personal credit took a hit. Maybe a card got maxed during an early inventory bet, or a slow year left a late payment on the report. Banks tend to stop reading at the score. We start somewhere else: the payouts landing in your business bank account.
If your marketplace and storefront deposits come in steadily, that history carries real weight in our review. FICO 500+ is considered, and we begin with a soft credit pull, so checking your options does not ding your score.
Online stores have messier deposit patterns than a corner shop. Payouts arrive on platform schedules, refunds and chargebacks come back out, and ad spend can swing month to month. Here is what we pay attention to:
No tax returns are required, and sole proprietors can apply.
"Bad credit business loan" is a search term, not a single product. Depending on how your store runs, the right fit could be working capital for ecommerce, a merchant cash advance tied to card sales, or revenue-based financing that follows your sales volume. If you want something you can draw on again, compare a business line of credit.
Most requests we see are tied to inventory and timing. Buying a large purchase order before a supplier price increase, restocking ahead of the holiday rush, or bridging the gap while a marketplace holds payouts. Our ecommerce inventory funding page walks through that use in more detail.
Every offer we present shows the full repayment amount and the payment schedule before you accept. Run it against your real margins after fees, shipping and ad costs. If the payment would squeeze your next reorder, ask for less. When the numbers work, start the 5-minute application.
It is one factor we weigh, alongside your deposit history and current obligations. We look at the whole file rather than a single line on your credit report.
We start with a soft credit pull, which does not affect your score.
Funding ranges from $25,000 to $5,000,000 overall. The amount for your store depends mainly on your deposits and what you already owe.
Yes. Payouts that land in your business bank account are part of the deposit history we review.
Funding can arrive in as little as 24 hours for qualified businesses once your statements are in.
Example uses for illustration only.
A few habits make an online store's bank file easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding