Merchant Fund Express
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Revenue-Based Financing for Ecommerce

Funding that follows your store's sales. Sized from your payout history with about three months of statements and no tax returns required.

See My Offer

Revenue-Based Financing

Sales growth that does not show on a tax return

Online sellers reinvest nearly everything into stock and ads. We look at the revenue running through your bank account instead of a thin profit line.

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.

Funding shaped around online sales

Quick start, light paperwork

A 5-minute application and roughly three months of statements. Funding in as little as 24 hours for qualified stores.

Credit is one factor, not all

FICO 500+ considered. We start with a soft pull and weigh your payout history heavily.

No surprises after signing

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Repayment you can map out

The payment schedule is laid out in the offer, so you can plan it around launches and seasonal peaks.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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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.

Why online sellers look at revenue-based financing

An ecommerce business rarely looks tidy on a tax return. You reinvest in inventory, you spend heavily on ads, and the profit line can look thin even when sales are growing. Revenue-based financing sidesteps a lot of that. It looks at the revenue actually moving through your business bank account and sizes funding from that history.

Repayment is tied to the revenue the store brings in, which suits a business whose sales rise and fall with seasons, launches and promotions.

What goes into the review

  1. A 5-minute application to tell us about the store.
  2. About three months of business bank statements.
  3. A soft credit pull to start. FICO 500+ is considered.
  4. A look at existing obligations so the offer fits what you already pay.

No tax returns are required, and sole proprietors can apply. If you sell on several platforms, it helps when all payouts land in the same business account.

Matching the money to the sales cycle

Revenue-based financing tends to work best when there is a clear link between the funds and the sales they will produce. Common examples:

For timing around quiet months, see ecommerce slow season funding. For growth plans, read about ecommerce expansion funding.

Other ways to fund an online store

We also offer working capital, a business line of credit for repeat draws, and equipment financing for fulfillment gear like label printers, shelving or packing stations. If you are still deciding, our line of credit vs. merchant cash advance comparison lays out the tradeoffs.

Check the offer before you accept

Your offer shows the full repayment amount and the payment schedule before you sign. Compare it to your contribution margin, not just gross sales. When it makes sense, apply in about 5 minutes.

Frequently Asked Questions

Is revenue-based financing a loan?

It is a financing product sized from your revenue history. The full repayment amount and schedule are spelled out in your offer before you accept.

My profit looks low because I reinvest. Is that a problem?

We focus on deposit history and existing obligations rather than tax returns, so reinvestment does not automatically hold you back.

Can I use it for inventory?

Yes. Inventory is one of the most common uses for online stores.

What credit score do I need?

FICO 500+ is considered, and we start with a soft credit pull.

How much can I get?

Funding ranges from $25,000 to $5,000,000. Your amount depends mainly on your deposits and existing obligations.

Q4 inventory $85,000.00
Product launch $55,000.00
Ad campaign $30,000.00
3PL onboarding $42,000.00

Example uses for illustration only.

How to improve your chances

Cleaner deposit records help us size an offer that fits your store.

  • Send every platform payout to one business account
  • Keep personal spending out of the store account
  • Track return rates so deposits are not overstated
  • Tie the request to a specific sales plan

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Sized from
Your revenue history
Credit, collateral, financials
Tax returns
Not required
Usually required
Credit
FICO 500+ considered
Strong credit usually expected
Application
About 5 minutes
Long forms and meetings
Speed
As little as 24 hours if qualified
Often several weeks

Fund the next sales push

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

Apply for Funding
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