E-Commerce Financing: Inventory, Ads, and Working Capital
E-commerce financing has matured fast. What used to be 'MCA or nothing' is now a stack of inventory loans, AR financing against Amazon, ad-spend lines, and revenue-based capital — most of it priced better than traditional SMB credit.
Amazon and Shopify revenue-based financing
Platforms like Wayflyer, Settle, and Parker price advances against trailing platform revenue. Pulls data via API — application is 10 minutes. 1.1–1.3x repayment over 6–12 months.
Inventory purchase orders
PO financing pays your supplier directly; you repay when the customer pays. Cost: 3–5% per 30 days of capital deployed. Best for B2B sellers with strong end buyers.
Amazon AR financing
Borrow against pending Amazon disbursements (typically 14-day settlement). Bridges the gap between sale and payout. Useful for fast-scaling FBA sellers.
Ad spend lines
Specialty product: line of credit specifically for Meta/Google ad spend, repaid as orders convert. Typically 30-day revolving with platform-level visibility into ROAS.
When SBA 7(a) makes sense
Acquisition of a competing brand, manufacturing buildout, or moving from 3PL to owned warehouse. The longer amortization fits these larger capex moves better than RBF.
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