Draw when a payout is held or a reorder comes due early, then repay and draw again. FICO 500+ considered, no tax returns.
Open My LineEcommerce Line of Credit
Viral spikes, held payouts and early supplier deposits do not wait. A revolving line gives your store room to react.
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.
A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, starting with a soft pull. Your payout history carries weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in the offer up front, so each draw is easy to plan.
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.
A viral post doubles orders overnight. A marketplace holds your payouts for review. A supplier needs a deposit on a reorder sooner than you planned. These are the moments a business line of credit for ecommerce was made for. You get a set amount you can draw from, use what you need, repay it, and the balance is available again.
Unlike a lump sum, you are not carrying funds you are not using.
We start with a soft credit pull and consider FICO 500+. No tax returns. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.
For a revolving line, reviewers want to see a store whose deposits are steady enough to support repeated draws. That usually means regular processor and marketplace payouts, few negative balance days, and existing obligations that leave room in monthly cash flow. Seasonal swings are normal in ecommerce, so if your fourth quarter dwarfs your spring, say so when you apply.
Refunds and chargebacks are part of selling online too. A reasonable level is expected. If you had an unusual spike from a bad batch or a shipping problem, a short explanation helps us read the numbers in context.
A line is most useful when draws are short and tied to revenue you can see coming. For illustration: a store draws to cover a reorder while waiting on a delayed marketplace payout, then repays once the payout clears. That is a healthy cycle. Drawing every month to cover a gap that never closes is a sign the business needs a different fix, like better margins or slower growth.
We would rather you use a line for the first pattern than the second, and we will be straightforward if your statements suggest otherwise.
If you know exactly what you need, working capital for ecommerce provides a single amount. Buying warehouse or production gear? See equipment financing for ecommerce. To get started, apply here.
You draw from a set amount as needed and repay, then the balance is available again. A lump sum is funded all at once.
It depends mainly on your deposits and existing obligations. Funding ranges from $25,000 to $5,000,000.
No. About three months of business bank statements are what we review.
We begin with a soft credit pull, which does not affect your score like a hard inquiry can.
Yes. Your offer shows the full repayment amount and schedule before you accept.
Example uses for illustration only.
A few habits help an ecommerce line work well.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding