Cash flow challenges every e-commerce business faces
Inventory lead times
Overseas manufacturing can require payment 60–120 days before products sell.
Ad spend
Scaling profitable ad campaigns requires cash upfront, and returns arrive later.
Payout holds and reserves
Marketplaces and payment processors can hold funds, disrupting cash flow.
Common uses of e-commerce business funding
- Inventory purchase orders
- Paid advertising
- New product launches
- Warehouse and fulfillment costs
- Q4 holiday stock
- Website and conversion improvements
Why merchant cash advances fit E-commerce
Online sellers often have strong, verifiable revenue from Shopify, Amazon and other platforms deposited into business accounts, which supports fast revenue-based approvals.
Example: A Shopify brand with $90,000 in monthly payouts needs $60,000 in July to place its holiday inventory order. The advance is repaid as holiday sales come in. (Illustrative example only; actual offers depend on underwriting.)
Requirements for e-commerce business funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.
E-commerce funding FAQs
Do Amazon and Shopify payouts count as revenue?
Yes. Marketplace and payment processor payouts deposited into your business bank account count toward revenue.
Can I use funding for advertising?
Yes. Funds can be used for any legitimate business purpose, including ad spend.