Flexible Ecommerce Funding for Online Businesses
Get fast, flexible growth capital tailored for ecommerce brands — cover inventory, ads, shipping, and more without waiting on traditional bank loans.
Overview
Running an online store comes with constant challenges — platform fees, ad spend, inventory management, and shipping logistics. Traditional banks often can't keep pace with the fast-moving, data-driven needs of ecommerce businesses.
That's why Big Think Capital's ecommerce funding solutions are built specifically for online brands. We provide flexible capital that grows with your business and repayment structures that align with your revenue cycles. Whether you're launching a new product, ramping up for peak season, or expanding your marketing efforts, our funding ensures you never run short on cash.
Approved funds can be used for paid advertising campaigns across Meta, Google, TikTok, and other platforms; marketplace restocking on Amazon, Walmart, Etsy, eBay, and more; influencer partnerships, content creation, and brand marketing; and fulfillment, 3PL, warehousing, and logistics costs.
Ecommerce funding is structured to match the actual rhythm of an online business. Instead of fixed monthly payments that pile up during slow weeks, repayment runs as a percentage of daily card sales — heavy weeks pay down faster, slow weeks pay less. That alignment is the single biggest reason traditional bank loans don't fit most growing DTC and marketplace brands. Cash hits the business when you need it (inventory order, ad push, Q4 ramp) and flows back automatically as orders ship.
Underwriting connects directly to your sales data — Shopify, Amazon Seller Central, Stripe, PayPal, WooCommerce, BigCommerce, Etsy, eBay, Walmart Marketplace — so the underwriting decision is based on what's actually happening in your store, not just bank statements. That data-driven approach typically returns offers in hours and funds in 2–5 business days. Costs are usually expressed as a factor rate (often 1.10–1.40) on the total advance, equating to roughly 15–50% APR depending on payback speed. Rates and terms vary by lender and borrower profile.
A common archetype: a DTC apparel brand doing $80K/month on Shopify takes a $100,000 advance in late August to triple inventory and double ad spend ahead of Q4. October-December revenue triples to $250K/month, the advance pays down inside 90 days, and the brand exits the year with a permanently larger run rate. That's the ecommerce capital playbook. Talk through your store at /contact or apply with assistance.
Benefits
Seamless Marketplace Integration
Our platform connects directly to top ecommerce marketplaces like Amazon, Shopify, Etsy, and eBay, allowing us to assess real-time sales data and offer faster funding decisions and better terms.
Fast, Non-Dilutive Funding
Get the capital you need in just a few days while retaining full control of your business. Our non-dilutive approach ensures you can invest in growth without giving up equity.
Repayment That Matches Your Sales
Repayment scales as a percentage of daily sales, so strong weeks pay down faster and slow weeks pay less — naturally aligned with the cash-flow rhythm of ecommerce.
Who typically qualifies for ecommerce funding
- Credit score of 550+ (higher unlocks better pricing)
- At least 6 months selling on a major platform (Shopify, Amazon, Etsy, eBay, Walmart, BigCommerce, WooCommerce)
- Monthly platform sales of $10,000+ ($30K+ for the best pricing)
- Active sales for at least the last 3 months — consistent revenue, not seasonal-only
- Account in good standing on each platform (no suspensions, no major policy violations)
- Documentation: connect Shopify/Amazon/Stripe/PayPal; 3–6 months bank statements
- Personal guarantee from majority owner
How ecommerce funding works
Apply and connect
5-minute application. Securely connect your Shopify, Amazon, Stripe, PayPal, or other sales accounts. Soft credit pull only.
Get an offer in hours
Underwriting pulls live sales data directly from your platforms. Most files receive offers within hours — sometimes minutes.
Choose your structure
Pick advance amount, factor rate, and daily/weekly payback percentage. Faster payback = lower cost; slower payback = lower daily drag.
Accept and verify
E-sign, complete a quick verification, and confirm your funding account. Funding typically arrives 1–3 business days later.
Repay as you sell
A fixed percentage of daily card / platform sales is held back until the advance is repaid. Strong sales weeks pay down faster automatically.
What ecommerce sellers use the capital for
Inventory & restocking
Place a larger bulk inventory order — often at supplier discounts — before peak season, hot product launches, or after a viral SKU sells out.
Paid ad scale
Push Meta, Google, TikTok, or programmatic spend up the moment ROAS is positive. Capital pays back from the revenue it generates.
Influencer & creator partnerships
Pre-fund creator deals, gifting campaigns, and content production where ROI shows up over 30–90 days.
3PL & fulfillment ramp
Pay 3PL onboarding, inventory placement, FBA replenishment, or warehouse expansion before the volume hits.
Launch a new product or category
Fund first-run inventory, custom packaging, and launch marketing — without diluting equity or waiting on profits to compound.
Expand to a new marketplace
Standing up Amazon, Walmart, TikTok Shop, or international from a Shopify base — inventory, listings, ads, all at once.
How ecommerce funding compares
Ecommerce funding fits sales seasonality
A term loan hits with a fixed monthly payment whether you sold $0 or $100K that week. Ecommerce funding's percentage-of-sales structure breathes with your revenue.
Same DNA, optimized for online sellers
Working capital is the general-purpose product; ecommerce funding is the same idea with platform integrations and data-driven underwriting tuned for Shopify / Amazon profiles.
Non-dilutive vs giving up ownership
VC and equity money has no payback obligation but takes a permanent piece of your business. Ecommerce funding has a real cost but you keep 100% of the upside.
Frequently Asked Questions
Quick answers to the questions we hear most often.
Which platforms work with ecommerce funding?+
How fast can I get funded?+
What does ecommerce funding cost?+
How does daily-percentage repayment actually work?+
Can I get funding as an Amazon FBA seller specifically?+
What if my store is very new?+
Ready to apply for Ecommerce Funding?
Get matched in minutes. No hard credit pull, no obligation.
- Approvals in as little as 24 hours
- Funding from $10K to $10M+
- No hard credit pull to apply
- Dedicated funding expert assigned to you