E-commerce growth eats cash in two places at once: inventory you pay for months before it sells, and ad spend that scales faster than payouts arrive. Revenue-based funding turns your payout history into the capital that breaks the bottleneck.
What online sellers fund most
- Inventory deep-buys — bigger POs cut unit costs and prevent stock-outs that kill rankings
- Ad scaling — proven ROAS campaigns capped only by budget
- Payout-cycle bridge — Amazon's two-week cycles vs. suppliers who want deposits today
- Q4 prep — order holiday stock in August, pay freight in October, sell in November
- New SKU launches — molds, samples, first production runs
How underwriting sees an online store
Marketplace payouts (Amazon, Shopify, Stripe, PayPal) landing in your business bank account read just like card batches from a storefront. Consistency wins: 6+ months of steady payouts often outweighs a mid-600 personal score. The mechanics are the same as any revenue based financing or working capital review — and if you're planning a large fixed investment, compare a term loan.
💡 Margin math first: funding inventory at a 1.3 factor only works when landed margin supports it. Run the numbers per SKU — our factor rate guide shows the exact math.
Typical qualifying profile
- 6+ months of selling history
- $10K–$15K+ in monthly payouts to a business account
- Mid-600 credit considered — see the 650 score guide
- Bank statements ready (checklist) — marketplace reports help too
Approval and terms are subject to lender underwriting.
Scale the store your payouts already justify
60-second form — your sales history does the talking.
Check My Funding Options