Merchant Fund Express
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Inventory Funding for Ecommerce Brands

Reorder bestsellers before they sell out and stock up before peak season, with capital sized to the deposits your store already brings in.

Fund My Inventory

Ecommerce Inventory Funding

Stay in stock when demand climbs

Suppliers want payment before goods ship. We help you place the order now and sell through it on a schedule you see up front.

As fast as
24 hours

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.

Inventory capital that keeps up with demand

Order sooner

5-minute application and bank statements only. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. Your sales history counts heavily in our review.

Know the full cost

The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.

Plan around sell-through

Your repayment schedule is in the offer up front, so you can match it to how fast stock moves.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Stockouts cost more than the lost sale

When a bestseller goes out of stock, you lose more than that order. Marketplace rankings slip, ad campaigns keep spending on a listing nobody can buy, and shoppers find a competitor. Rebuilding that momentum can take weeks. The catch is that suppliers usually want payment up front, often well before the goods arrive, while your cash is tied up in the stock you already sold and the payouts you are still waiting on.

Inventory funding for ecommerce gives you the capital to place the order now and sell through it over the following weeks.

How we size an inventory offer

We do not need your supplier invoices or a purchase order to start. We look at about three months of business bank statements to understand how much revenue your store brings in and how steady it is. Funding amounts range from $25,000 to $5,000,000, and the right number depends mainly on your deposits and any existing obligations.

For illustration, a store depositing steadily each month that wants to place a large holiday order might request an amount close to one production run, rather than a full year of stock, so repayment lines up with the sell-through window.

Choosing a structure

Different stocking patterns call for different tools:

Timing the order around your cash cycle

Think about when the money goes out and when it comes back. If your supplier needs a deposit now and the balance on shipment, and the goods take several weeks to arrive and list, there is a stretch where you have paid for stock you cannot sell yet. Factor that gap in when you choose an amount and when you review the repayment schedule in your offer. A plan that works on paper but ignores freight time can squeeze you right before the busy season starts.

Ordering with discipline

Capital is only useful if the inventory sells. Use your sales velocity data to set order quantities, watch lead times from overseas suppliers, and avoid tying up funds in slow-moving variations. Check our ecommerce qualification guide for what funders look at, then apply in about five minutes.

Frequently Asked Questions

Do I need a purchase order or supplier invoice to apply?

No. We review about three months of business bank statements. Having supplier quotes on hand helps you request the right amount.

Can I use inventory funding for overseas manufacturing deposits?

Yes. Paying supplier deposits and production runs is a common use, whether your manufacturer is domestic or overseas.

How much inventory funding can I get?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposit history and existing obligations.

Is my credit score a deal-breaker?

FICO 500+ is considered. Funders weigh credit alongside your deposit history, and we start with a soft pull.

When do I see the total cost?

Your offer shows the full repayment amount and schedule before you accept, so you can compare it to your expected margin on the stock.

Holiday reorder $95,000.00
Supplier deposit $40,000.00
New colorway $28,000.00
Bundle packaging $16,500.00

Example uses for illustration only.

How to improve your chances

Stronger inventory planning also makes your funding file stronger.

  • Track sell-through by SKU before reordering
  • Keep supplier quotes and lead times on file
  • Clear out slow-moving variations
  • Keep marketplace payouts flowing to one account

Inventory funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Documents
Bank statements, no tax returns
Tax returns, inventory reports
Collateral focus
Deposit history
Often hard assets
Credit
FICO 500+ considered
Higher scores usually needed
Speed
As little as 24 hours if qualified
Weeks to close
Application
5 minutes online
Lengthy paperwork

Keep your bestsellers in stock

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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