# eCommerce Business Loans

> Online retailers grow by spending on inventory and ads weeks before that revenue lands — and marketplace payouts can hold your cash for days after a sale. Hoss Capital matches eCommerce sellers with funding partners who read Shopify, Amazon, and Stripe data, so you can scale inventory and ad spend without giving up equity.

## Key takeaways
- eCommerce is a working-capital business in disguise — cash leaves for inventory, freight, and ads before sales land, and marketplaces may hold payouts on a rolling delay.
- Inventory and purchase order financing fund stock ahead of demand, while revenue-based financing flexes repayment with daily sales.
- Many lenders connect to Shopify, Amazon, or Stripe and underwrite on sales history and payout consistency, so revenue can matter more than credit history or collateral.
- With much of annual revenue often in Q4, securing capital weeks ahead of peak season is what prevents stocking out.

## Funding built for how online retail actually works

eCommerce is a working-capital business in disguise. Cash leaves to pay
suppliers, freight, and ad platforms long before customers click "buy" — and
even after a sale, marketplaces and processors may hold your money on a rolling
delay. The faster you grow, the wider that gap gets, which is why profitable
stores still run short on cash.

### The options that fit online sellers best

- **Inventory financing & purchase order funding** — buy stock or fulfill large
  orders ahead of demand, using the inventory or the PO itself to support the
  deal. Ideal before peak seasons and restocks.
- **Revenue-based financing** — repayment flexes as a share of daily sales, so
  it breathes with your store instead of demanding a fixed payment in a slow
  week.
- **Lines of credit & working capital** — flexible cash for ad spend, software,
  and the timing gap between supplier payments and marketplace payouts.

### Real sub-segments we see

- **Amazon FBA sellers** managing long lead times and reserve holds.
- **DTC Shopify brands** scaling paid acquisition where every extra ad dollar
  has to clear before it earns.
- **Subscription and replenishment brands** with predictable recurring revenue
  that underwrites cleanly.

### Seasonality matters

Many stores earn an outsized share of annual revenue in Q4. That makes timing
everything: capital secured in late summer funds the inventory and ad budget
that capture the holiday rush, while waiting until November usually means
stocking out.

### Why match through Hoss Capital

Generalist lenders often misread eCommerce — they see thin physical collateral
and ignore the platform data that tells the real story. We route your profile to
partners that underwrite on Shopify, Amazon, and Stripe performance, so you talk
to lenders who actually fund online retailers.

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