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E-commerce funding

Your supplier needs payment in 7 days. Your sales come in 30.

$15K to $250K. In your account within 36 hours. Direct funded. No credit pull.

See What You Qualify For
36HRAvg time to fund
$15K–$250KFor e-commerce
No credit pullTo apply
Direct Funder
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The real problems

You spend money to make money. The cash cycle never lines up.

E-commerce is a cash-first business. You pay for inventory, ads, and shipping before a single dollar comes back. Amazon holds your payouts for 14 days. Suppliers want wire transfers upfront.

Inventory requires cash upfront

MOQs from overseas suppliers run $10K-$50K per order. Sea freight adds $3K-$8K. You're paying for inventory 60-90 days before it hits your warehouse and starts generating revenue.

$15K-$75K typical

Ad spend comes before revenue

Facebook and Google want payment now. Your ROAS won't materialize for 7-14 days. Scaling from $200/day to $2,000/day in ad spend means fronting $60K/month before returns come in.

$20K-$80K typical gap

Q4 inventory needs Q2 cash

Black Friday orders need to be placed with suppliers by July. That's $30K-$100K in inventory purchased 4-5 months before the sales hit. Miss the production window and you miss the entire holiday season.

$30K-$150K typical

3PL and shipping costs stack up

Warehouse fees, pick-and-pack costs, FBA fees, return processing. A seller doing $100K/month can easily spend $15K-$25K on logistics alone. And those invoices are due now, not when the customer pays.

Same-day decision
How it works

Apply today. Funded tomorrow.

We look at your bank deposits and sales volume, not your credit score. Marketplace payouts count as revenue.

01Apply

60-second application

Business name, monthly revenue, selling platform. No tax returns. No P&L required.

02Review

We review 3 bank statements

No credit pull. No collateral. We look at deposits — Amazon payouts, Shopify payments, all of it.

03Fund

Cash hits your account

24-48 hours after approval. Wire or ACH, your pick.

Day 0 · ApplyDay 0 · ReviewDay 1–2 · Funded
Last month

An e-commerce seller. 36 hours.

"

Q4 was coming and they needed $50K to lock in inventory with their supplier before the production cutoff. Bank wanted 6 weeks of paperwork. We funded $50K in 36 hours. They had inventory in the warehouse by October 1st and did their best holiday season ever.

$50,000Funded
36 HRSApply to cash in account
0Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

E-commerce business funding — answered.

Do you fund e-commerce businesses with bad credit?+

Yes. We've funded e-commerce businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a e-commerce business get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can e-commerce businesses qualify for?+

$25K-$200K is the typical advance range for e-commerce businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what you qualify for today.

Apply Now
✓ No credit pull✓ No obligation✓ Decision same day