E-commerce Financing, fast.

Apply for financing today to build your business, upgrade your equipment, or fund your next project.

$
Applying is free and won't impact your credit*
$250K e-commerce loan approved!

Reviews from E-commerce business owners.

Business owners love that Lendio helps them get funding without the headaches.

Proven E-commerce lending expertise.

Get the answers and the funding you need with support all along the way.

$43 million

in small business funding facilitated in the last decade.

4.8 stars

21,000 Trustpilot® reviews.
50% repeat customers.

75+ lenders

providing broad coverage for small business lending.

Four simple steps to E-commerce funding.

Tell us about your business.

Answer a few simple questions and complete the application in minutes.

Submit your application.

We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

Compare offers.

Find the funding option with the terms that best fit your small business goals.

Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

Quickly estimate your funding options.
Time In Business
0 - 6 Months
6 - 12 Months
1 - 3 Years
3+ Years
Monthly revenue
Industry
Credit Score
Business type
Legal partnership
LLC
Corporation
Sole proprietor
Congrats--it looks like you qualify.*

Based on your business information you could qualify for up to $ 52,000 in funding

Funding amount *

$ 36,000 - $ 52,000

*Amount is an estimate only using the information provided Businesses like yours typically receive offers like these.
Compare your funding options today.
Apply now

Many businesses don't qualify for funding for all kinds of reasons. A few factors could include:

Not enough revenue
Not enough time in business
Credit score is too low

*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.

How much can I qualify for?

Not sure what you need or what funding options are best for you? Use our simple calculator to get a rough idea of your options with no commitment, and apply when you’re ready.

Lendio knows the E-commerce business.

Whether you’re looking to expand internationally or finance your next inventory order, Lendio has the expertise to make it happen. You can keep growing your online footprint while navigating price increases and shipping challenges.

Bridge seasonal downturns

Purchase inventory, supplies and equipment

Refinance existing debt

Pay your employees

Invest in marketing

What type of commercial real estate funding is best for your business?

These are the most popular types of funding that other E-commerce-based businesses qualify for through Lendio.

Business Line of Credit

Access available funds whenever you need them, and only pay interest on what you draw.

SBA Loan

Get low-interest, government-backed funding to expand your business.

Business Term Loan

Borrow a lump-sum with a set repayment schedule, and get funding quickly with online options.

What types of business loans are available to E-commerce businesses?

Revenue-based financing

Revenue-based financing is based on future sales, and the lender simply takes a percentage of your sales as repayment. eCommerce businesses can use the cash to pay the cost of inventory up front or bridge any other cash flow gaps.


Term Length
1-15 months
Max Loan Amount
Up to $1 million

Debt financing

Debt financing allows you to anticipate exactly how much you’ll repay each month with a fixed loan amount and monthly repayments. Opt for online term loans or an SBA loan that is backed by the federal government.


Term Length
6 months-25 years
Max Loan Amount
$5 million

Line of credit

A line of credit is like having a financial safety net in your back pocket at all times. You only borrow money when you need it, up to your maximum credit line. It’s perfect for a financial emergency or a major opportunity, like a big inventory order.


Term Length
6-24 months
Max Loan Amount
Up to $250,000

Equipment financing

As your ecommerce business grows, you may need new equipment to keep up. Whether it’s a pallet truck for your warehouse or new inventory software, the asset you purchase is used as collateral.


Term Length
1-5 years
Max Loan Amount
$5 million

FAQs

Find answers to some commonly asked questions in the E-commerce industry.

What is e-commerce financing?

Ecommerce businesses can acquire financing in a range of structures, from fixed rate loans to revenue-based financing. Applying through Lendio gives you the ability to compare multiple options in one place. We also work with many lenders who specialize in ecommerce businesses, including Amazon sellers.

What are the requirements to get e-commerce financing?

It depends on the type of financing. At Lendio, applicants should meet the following minimum requirements:

  • $8,000 in monthly revenue
  • At least two years time in business
  • Credit score of at least 680
What can I use e-commerce financing for?

Most types of ecommerce financing don’t have any restrictions on how the funds may be used. Borrowed money from revenue-based financing, term loans, and lines of credit can be used however you see fit for things like marketing, inventory, software, or payroll. Equipment financing, however, typically needs to be used for whatever asset you’re purchasing with the loan funds.

What are the benefits of online business loans?

With a lender marketplace like Lendio, you can compare multiple offers and financing structures with just one form. You also don’t have to wait weeks for a funding decision, allowing you to make plans for the near-term with accurate financial information. Instead, you can get the ball rolling as soon as you pick the best lender for your needs and sign your new loan agreement.

What is an SBA loan?

An SBA loan—or Small Business Administration loan—is made by a private lender, but guaranteed by the federal government. Although the application and approval processes are slower, your ecommerce business could benefit from the lower rates and less restrictive approval requirements that SBA loans are known for.

What are the different types of SBA loans?

There are three common SBA loan types for small businesses, all of which could be utilized in the ecommerce industry. The first option is the 7(a) program, which provides funding for working capital, debt refinance, and asset purchases. Next up is the 504 program, designed to purchase fixed assets like warehouse space or machinery. Finally, the SBA microloan program offers smaller loans up to $50,000 for less established businesses.

Ready for funding?

See what you can qualify for on the Lendio Marketplace.