Suppliers want payment months before customers buy. Get $25,000 to $5,000,000 based on your deposits to stock up, cover ads and wait out payout holds.
Get Funding OptionsEcommerce Cash Flow
Online sellers carry the cost of goods, freight and ads before a single sale. Working capital or revenue-based financing helps bridge the long cycle.
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.
About 5 minutes to apply and roughly three months of bank statements. Qualified sellers can be funded in as little as 24 hours.
FICO scores from 500 are considered. Consistent payouts carry weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your offer lays out the repayment schedule up front, so you can build it into inventory planning.
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.
Online sellers often order inventory months ahead, especially when products are made overseas. You pay the supplier, pay for freight, pay to store it, then spend on ads to sell it. Only then do sales come in, and marketplace payouts or payment processors may hold funds for days or longer. A business growing quickly can run out of cash precisely because it is selling well.
| Step | What happens to cash |
|---|---|
| Purchase order | Deposit to supplier, often a large share up front |
| Production and freight | Balance due, shipping and duties |
| Warehousing | Storage and fulfillment costs begin |
| Advertising | Spend before sales land |
| Sales and payouts | Cash returns, sometimes held by the platform |
Shortening any step, or funding the longest one, is where cash flow improves.
For many stores, the fourth quarter is the year. That means inventory has to be ordered and paid for in summer or early fall. Running out of a best seller in December is costly, and so is overbuying. Use last year's sell-through by product to size orders, and plan ad budgets alongside inventory so they support each other.
Build in slack for delays. A container that arrives three weeks late can push your selling window past the holidays while the cash is already spent. Many sellers place a smaller early order for proven products and a second order once early sales confirm demand, which spreads the cash outlay and lowers the risk of being stuck with stock in January.
Merchant Fund Express offers ecommerce inventory funding, revenue-based financing and working capital for ecommerce from $25,000 to $5,000,000. Revenue-based financing can suit online sellers because repayment is tied to revenue.
We review about three months of business bank statements, consider FICO scores from 500, and do not ask for tax returns. Solo sellers set up as sole proprietors can apply. The application takes about 5 minutes with a soft credit pull, and qualified businesses can be funded in as little as 24 hours.
Yes, payouts that land in your business bank account are part of what we review.
Yes. Funding inventory ahead of a busy season is one of the most common uses for online sellers.
It is funding where repayment is tied to your revenue. Your offer lays out the full repayment amount and how payments work before you accept.
Working capital can be used for general business needs, including marketing, as long as it fits your plan to repay.
It depends mainly on your deposits and existing obligations. Funding ranges from $25,000 to $5,000,000.
Example uses for illustration only.
Online sellers can improve cash flow and their funding picture with a few moves.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding