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Business owners love that Lendio helps them get funding without the headaches.
Apply for financing today to build your business, upgrade your equipment, or fund your next project.
Business owners love that Lendio helps them get funding without the headaches.
Get the answers and the funding you need with support all along the way.
in small business funding facilitated in the last decade.
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providing broad coverage for small business lending.
*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.
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.
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.
These are the most popular types of funding that other E-commerce-based businesses qualify for through Lendio.
Access available funds whenever you need them, and only pay interest on what you draw.
Get low-interest, government-backed funding to expand your business.
Borrow a lump-sum with a set repayment schedule, and get funding quickly with online options.
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.
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.
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.
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.
Find answers to some commonly asked questions in the E-commerce industry.
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.
It depends on the type of financing. At Lendio, applicants should meet the following minimum requirements:
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.
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.
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.
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.
See what you can qualify for on the Lendio Marketplace.