Funding sized to inventory cycles and platform payout math.
Picture the calendar. It is October and you need $100K of inventory in the warehouse for a December run. Amazon is holding $50K in reserve against possible returns. Your Shopify account has a 3-day payment hold. Your ad budget is already $900 a week across Google and Meta. The question is not whether the business is profitable. The question is whether the cash is in the account on the day the supplier invoice is due.
An inventory line of credit funds the stock buy and gets repaid as the season sells through. A short-term loan handles the opportunistic reorder when a SKU spikes and you have 48 hours to cover it. AR financing against platform payouts advances cash sitting in Amazon reserves. Equipment financing covers warehouse gear, pick-and-pack stations, and fulfillment automation when you outgrow the garage. Your underwriter picks the stack against your sell-through rate, not a generic template.
- Seasonal inventory buys 60 to 120 days ahead of Black Friday or a launch
- Platform payout delays - Amazon reserves, 14 to 30 day holds, Shopify Payments timing
- Ad spend that has to go out before the revenue comes back
- Warehousing and fulfillment scale - 3PL deposits, pick-and-pack gear, inbound freight
We have done this before. A lot.
Inventory lines that match sell-through cycles instead of forcing a fixed monthly payment
Approvals tuned for operators who run on thin margins and high velocity
Underwriting that reads deposits and platform sales data, not just P&L
Same-week funding on an inventory line before peak season so stock lands on time
Equipment financing for warehouse and fulfillment gear, terms up to seven years
One underwriter who has closed Amazon, Shopify, and DTC deals before
The products that actually move the needle here.
Things e-commerce owners ask first.
Yes. Inventory lines advance against stock already in the warehouse and, on larger deals, against purchase orders for stock in transit. Pricing depends on SKU velocity and sell-through history. A seller with 12 months of clean Amazon or Shopify data usually gets more aggressive terms than a new brand, because the lender can see the repeat purchase pattern.
Yes. A growing share of lenders treat Amazon reserves, Shopify payouts, and marketplace holds as receivables for underwriting purposes. AR financing will advance against those balances directly. The key is connecting read-only access to the platform so the lender can verify gross merchandise volume, refund rate, and payout timing.
Start the application 60 to 90 days before you need stock. Working capital lines can fund in 3 to 10 business days once documents are in. If you wait until late October for a December buy, you will still get approved, but you lose the negotiating leverage on supplier pricing and you risk missing the inbound freight window.
Most inventory and short-term lenders want 6 to 12 months of platform history and roughly $15K a month in deposits to start. Personal credit matters but carries less weight than sales history, refund rate, and ad spend efficiency. A 620 FICO with strong Shopify data often beats a 720 FICO with thin platform history.
Funding built around e-commerce.
Tell us about your operation and we will route you to the lenders that already understand it.
Soft credit pull. No hard inquiry unless you accept terms.