Cover inventory, ads and fulfillment while payouts catch up. A 5-minute application, three months of statements, no tax returns.
Check My FundingEcommerce Working Capital
Online stores pay for everything up front. Working capital helps cover the gap between spending and payouts.
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 three months of bank statements and a 5-minute application. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered with a soft pull to start. Consistent payouts matter.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is spelled out in the offer, so you can plan reorders around it.
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.
Running an online store means paying for almost everything before you get paid. Inventory is bought weeks or months ahead. Ads are billed as they run. Shipping labels, packaging, software subscriptions and contractor invoices keep coming. Meanwhile, marketplaces and processors release funds on their own timelines, and returns can claw back revenue you thought you had.
Working capital for ecommerce is money you can use for the everyday costs that keep orders flowing while that cycle catches up.
Our review is built around bank activity. Send about three months of business bank statements and fill out the 5-minute application. We start with a soft credit pull, consider FICO 500+, and do not require tax returns. Sole proprietors can apply.
Funding runs from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours for qualified businesses.
Cash patterns look different depending on where you sell. Marketplace sellers often deal with payout cycles, reserves and fee deductions that make daily cash hard to predict. Direct-to-consumer brands selling through their own site usually get faster processor payouts but carry heavier ad costs to drive traffic. Many stores do both, plus a little wholesale.
When you apply, tell us which channels you sell through and where each one pays out. That helps us read your statements accurately and size working capital to how your store really earns, not to a generic template.
For many stores, the most expensive problem is not a slow month. It is running out of the product customers are actively searching for. Marketplace rankings can slip, ad spend keeps running to a listing that cannot sell, and customers find a competitor. A working capital cushion lets you reorder on the timeline your sales data suggests, not the one your bank balance allows.
The same logic applies to ad spend. If a campaign is producing profitable orders, pausing it because cash is tight can mean losing momentum that took weeks to build. Our ecommerce cash flow guide covers planning for these swings.
A lump sum works well for a known need. If needs come and go, a line of credit may fit better. For a revenue-linked option, see the merchant cash advance for ecommerce. Ready? Start your application.
Funding used for everyday operating costs such as inventory, ads, shipping, software, payroll and fulfillment.
Yes. If payouts land in a business bank account, we can review those statements.
No. We review about three months of business bank statements.
FICO 500+ is considered. We start with a soft credit pull.
Your offer shows the full repayment amount and schedule before you accept.
Example uses for illustration only.
Simple housekeeping can make your store easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding