Retail & E-Commerce Financing — Inventory Now, Revenue Later

Every dollar of growth is a dollar of inventory bought months before a customer pays you for it, and Q4 does not care about your cash conversion cycle.

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What owners in this industry finance

Seasonal and pre-holiday inventory buys
Ad spend ahead of a launch
Supplier deposits on large orders
New location or warehouse

What we would tell you

A line of credit beats an advance here almost every time, because inventory turns and you can repay and redraw. Reach for PO financing when a retailer's order is bigger than your capital.

The programs that fit best

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Purchase Order Financing

Say yes to the big order

Same day No minimum FICO

Merchant Cash Advance

Fastest money, highest cost

Same day No minimum FICO

Small Business Loans

Term Loans & Working Capital

Same day to 3 days 660+ FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Retail & E-Commerce funding questions

What is the best financing option for retail & e-commerce?

It depends on what the money is for. A line of credit beats an advance here almost every time, because inventory turns and you can repay and redraw. Reach for PO financing when a retailer's order is bigger than your capital.

Can I get funded for my retail & e-commerce business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for retail & e-commerce

One application, shopped across 14 programs, no fee to you.

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Checking your options does not affect your business credit. A soft review only.