Ecommerce funding based on your platform sales
Inventory and marketing capital for Amazon, Shopify and marketplace sellers, based on platform revenue.
Financing is provided by third-party lenders. Capital Ally is not a lender. Terms and eligibility vary.
At a glance
- Typical amount
- $10K to $1M
- Typical term
- 3 to 18 months
Ranges are typical for this type of financing. Your amount, term and pricing depend on the lender and your business profile.
How this financing 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. When the store's history supports it, a term loan or line of credit may cost less, so compare the offers you receive.
Common business uses
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.
What lenders typically look for
General guidelines for this type of financing. Each lender sets its own requirements, and meeting them does not guarantee an offer.
- Six or more months of platform sales history
- Monthly sales of $10K or more
- A connected store or marketplace account for verification
- Consistent order volume rather than a single spike
Compare with other options
Ecommerce funding vs
Working capital
Ecommerce funding reads platform sales and repays as a share of them, which can suit a seasonal store better than fixed payments.
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.
Questions about ecommerce funding
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.
Capital Ally
Considering ecommerce funding?
Check eligibility in a few minutes, then compare the offers you receive by their full cost before you decide. Checking does not affect your credit score.