Ecommerce funding based on your platform sales
Inventory and marketing capital for Amazon, Shopify and marketplace sellers, based on platform revenue.
Ecommerce Funding overview
- Typical amount
- $10K to $1M
- Typical term
- 3 to 18 months
- Time to fund
- 1 to 5 days
Ranges are typical for this type of financing. Your amount, term and pricing depend on the lender and your business profile.
How it works
Online sellers rarely fit a bank's template: inventory-heavy, thin on fixed assets, with revenue that swings with ad spend and seasonality. Ecommerce funding reads your platform data directly, Amazon, Shopify, Walmart or your own store, and sizes an advance to sales.
Repayment is usually a fixed percentage of daily or weekly sales, so slow weeks cost less and strong weeks pay down faster. Capital Ally works with lenders built for this model and will also place a term loan or line of credit when the store's history supports cheaper capital.
Best for
- Inventory buys ahead of Q4 or a launch
- Scaling paid ads that are already profitable
- Bridging the gap between paying suppliers and marketplace payouts
- Sellers without two years of tax returns
What businesses use it for
Inventory
Buy deep before peak season instead of running out of stock in November.
Advertising
Scale campaigns with a known return without starving inventory to fund them.
Supplier timing
Pay a manufacturer's deposit now and repay from the sales the run produces.
How it compares
Ecommerce funding vs working capital
Similar speed, but ecommerce funding reads platform sales and repays as a share of them, which fits a seasonal store better.
Ecommerce funding vs line of credit
A line is cheaper for sellers with established financials. Ecommerce funding is the option when the store is the only track record.
Ecommerce Funding: common questions
See all questionsWhich platforms qualify?
Amazon, Shopify, Walmart, eBay, Etsy and most major marketplaces, plus stores on their own domain with connected payment processing.
Do I need tax returns?
Usually not. Platform sales data and bank statements carry the file.
How is it repaid?
Most often as a fixed share of sales until the agreed total is paid, so payments flex with revenue.
Other funding solutions
Ready to apply for Ecommerce funding?
Two minutes to check eligibility. A specialist reviews it the same day. No credit impact, no obligation.