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Industry/E-Commerce & DTC Brands

Funding that scales with your online store.

E-commerce growth eats cash: you buy inventory months ahead, fund the ads that drive sales, and wait on processor and marketplace payouts, all before the revenue lands. The faster you scale, the more working capital it takes. We fund on your sales so a winning product never stalls for lack of stock.

  • Funding in as little as 24 hours
  • Approved on sales, not just credit
  • Shopify, Amazon, and DTC brands
  • Repayment that flexes with sales

Fast reviews · Clear communication · No misleading promises

24hr
Funding in as little as
$10k–$500k
Typical range
6mo+
Time selling online
All
Credit profiles considered
The landscape

Why e-commerce brands are always cash-hungry.

Online retail front-loads cash in two directions: inventory is bought (and often manufactured) months before it sells, and the ad spend that drives demand is paid daily, yet processor and marketplace payouts can lag, and a viral product can sell out before you can reorder. A growing brand can be profitable on paper and still short on cash.

Revenue-based funding reads your sales and deposits across Shopify, Amazon, and your processors, so you can buy inventory ahead of demand, scale ad spend, or bridge a payout gap, and repay as the orders ship.

Where it goes

What this funding covers most.

Inventory and manufacturing buys

Scaling paid ad spend

Restocking a fast-selling product

Bridging processor and marketplace payouts

Warehousing and 3PL fees

Packaging and fulfillment

Seasonal and holiday ramp-up

Launching a new product line

Ballpark

What you might qualify for.

A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.

Monthly revenue
Likely funding range
Common products
$10k – $25k / mo
$5k – $50k
MCA
$25k – $75k / mo
$25k – $150k
MCA / Line of Credit
$75k – $250k / mo
$75k – $500k
Line of Credit / MCA
$250k+ / mo
$250k – $5M
Line of Credit / SBA 7(a)

Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.

The difference

Why banks say no, and what's different here.

What a bank sees
How we work
No storefront, few hard assets
We fund on your online sales
Inventory is risky collateral
Revenue performance carries the decision
Payouts lag behind ad spend
We bridge the cash-conversion gap
Weeks of underwriting
Reviews start same day; funds in as little as 24h
Best fit

The products that fit best.

The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.

Eligibility

What it takes to qualify.

A realistic picture of what we look for, and what to have ready so things move quickly.

Typical requirements

6+ months selling online

$10k+ in average monthly sales

An active business bank account

Steady processor or marketplace deposits

U.S.-based e-commerce business

What to have ready

3–6 months of business bank statements

Processor / marketplace sales reports

A government-issued photo ID

Basic business info (EIN, entity type)

Process
How it works

From question to funded, fast.

Tell us about the business

Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.

Quick review of your sales

We look at recent deposits and card volume to understand what you may qualify for.

Compare your real options

See the products that fit your situation side by side, in plain language.

Get funded and move

Once you choose a direction, funds for fast options can land in as little as a day.

In practice

How funding plays out.

Challenge

A product went viral and sold out

Outcome

Funded fast, reordered before momentum died

Challenge

Holiday inventory due before Q4 sales

Outcome

Drew to stock up, repaid through the season

Challenge

Moving into our own warehouse

Outcome

Lower-rate financing for the expansion

Representative scenarios for illustration. Individual results, products, and timing vary.

Why us

Why owners work with us.

We fund on sales, not just credit

Capital to restock before you sell out

Shopify, Amazon, and DTC brands

Straight talk, no guaranteed-approval hype

Repayment that flexes with your sales

One conversation to compare every fit

“One of our products blew up on TikTok and we sold out in days. The advance let us reorder immediately instead of watching the trend pass us by.”
RM
Ryan M.DTC brand · TX

Representative experience. Individual results vary. No outcome is guaranteed.

Questions

E-Commerce & DTC Brands funding FAQ.

Still have a question? A specialist can usually answer the same business day.

Start a review
Do you fund online-only businesses?
Yes, having no physical storefront is no obstacle. We read your online sales and processor deposits, which is exactly where an e-commerce brand's revenue shows up.
Can funding cover an inventory buy or ad spend?
Both are the most common uses. A line of credit suits recurring needs like restocks and ad spend; an advance suits a one-time inventory push.
I sell on Amazon and Shopify, does that work?
Yes. We can read deposits from major platforms and processors, so multichannel sellers are a good fit.
What can e-commerce funding be used for?
Inventory, manufacturing, ad spend, fulfillment, warehousing, seasonal ramp-up, or a new product line. No restriction on use of funds.
How fast can I get funded?
A merchant cash advance can fund in as little as 24 hours once your sales are reviewed, fast enough to reorder before a trend cools.
Do you work with DTC, marketplace, and wholesale sellers?
Yes. DTC brands, marketplace sellers, and hybrid wholesale operations all qualify when sales and time in business line up.
Learn more

Guides to help you decide.

Plain-English answers to the questions owners ask before they apply.

Related

More Retail & E-commerce funding.

We tailor funding to specific businesses across the industry, explore the others.

Next step

Funding built around your business.

Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.

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