Retail & E-commerce Financing
Stock up before your season, not after it
Retail and e-commerce businesses need inventory and ad spend in place months before revenue arrives. Loanwise Solutions connects sellers with lenders that underwrite platform sales data, merchant processing, and inventory turns.
Cash flow challenges we see
- Holiday and seasonal inventory must be paid for in advance
- Marketplace payouts are held and released on a lag
- Ad spend scales faster than cash conversion
- Traditional banks undervalue online-only revenue
What owners use financing for
- Buy Q4 inventory in August with a revolving line
- Bridge marketplace payout holds
- Fund a product launch or bulk manufacturing run
- Open a brick-and-mortar location or pop-up
Typical qualifying profile
- Time in business
- 6+ months of platform or processing history
- Credit
- 580+ FICO on revenue-based programs
- Typical size
- $10K–$2M
- Speed
- 24–72 hours
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for retail & e-commerce
Inventory Financing
Borrow against inventory to fund purchase orders, seasonal buys, and bulk discounts.
Business Lines of Credit
A flexible credit facility you can draw, repay, and reuse — interest only on what you use.
Merchant Cash Advances
Receive a lump sum today and repay it as a small percentage of your daily card and bank receipts.
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses with flexible short-term capital.
Retail & E-commerce financing: frequently asked questions
Do lenders count Amazon or Shopify revenue?
Yes. Several lenders connect directly to marketplace and processor data and underwrite from that history, which usually produces a faster and larger approval than tax returns alone.
What is the best product for seasonal inventory?
A revolving line of credit or inventory facility, because you draw when you buy and pay interest only on what is outstanding rather than carrying a full term loan year-round.
Can a newer online brand qualify?
Often, with roughly six months of consistent sales. Below that, startup programs based on personal credit are usually the realistic path.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Medical & Dental
Practice acquisition, build-out, equipment, and working capital for physicians, dentists, and specialty clinics.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Ready to explore retail & e-commerce financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.