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Working Capital Loans for eCommerce

eCommerce businesses use working capital loans for funding inventory and ad spend to capture demand without giving up equity. We match online retailers with funding partners who understand your industry — so you spend time with lenders likely to say yes.

$5K – $500K Funding in 24–48 hours Minimal paperwork Credit-flexible
Term sheet · draft1 / 3
Your need33%
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Checking your options won't affect your credit score. Takes ~2 minutes.
75+
Lending partners
$5K–$5M
Funding range
24 hrs
As fast as
50 states
Served nationwide

Why online retailers choose working capital loans

For online retailers, the biggest financing challenge is often funding inventory and ad spend to capture demand without giving up equity. Working Capital Loans is well suited to that: fast, flexible funding to cover payroll, inventory, and day-to-day operations — often the same day.

Eligibility

Typical qualifications

  • 6+ months in business
  • $10K+ in monthly revenue
  • Most credit profiles considered
  • U.S.-based business
See eCommerce funding options

Looking for something else? Explore all working capital loans options.

How it works

One application. The right lenders.

Instead of applying to lenders one by one, fill out a single snapshot — no spam, no hard credit pull to get started.

  1. 01

    Tell us what you need

    Answer a few quick questions about your business and funding goal. It takes about two minutes and won't affect your credit.

  2. 02

    Get matched

    We review your snapshot and match you with the funding partners most likely to approve a deal like yours.

  3. 03

    Review offers & get funded

    Compare your options with a funding specialist and choose what works. Approved deals can fund in as little as 24 hours.