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Ecommerce loans for online sellers
USD funding for inventory, advertising and growth, assessed on your store or marketplace sales rather than premises or property.
What this financing is and how we arrange it
Online lenders look at orders, returns, ad spend and stock turn. We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
New stores can also read about startup loans, and sellers who simply need a buffer for supplier payments can look at working capital loans.
When it fits
- Shopify, Amazon and marketplace sellers pre-ordering inventory for peak season
- Stores scaling paid advertising that already returns a profit
- Dropshippers moving to holding their own stock
- Brands paying overseas manufacturers in USD
What lenders typically ask for
- Six or more months of sales history from your platform
- Platform or payment-processor statements and business bank statements
- A summary of inventory, return rates and advertising spend
- Company registration documents and ID for owners
An illustration
A seller with USD 25,000 monthly sales wants to buy Q4 inventory two months early to secure a supplier discount. It shares platform reports and statements, and we introduce it to lenders that read marketplace data. Repayment is scheduled by the lender against expected sales.
For illustration only. This is not an offer, rate or quote.
How it compares
Ecommerce lenders read platform sales and are less interested in a physical premises than the lenders behind commercial real estate loans. A rapidly growing store may also compare small business loans for a larger, longer facility.
As a small business owner, finding financing that fits my needs was a challenge until I came across JP Lending. Their online business loans are exactly what I needed to grow my business globally. The terms were flexible, and the process was faster than I expected!
Frequently asked questions
Can a dropshipping store apply?
Yes, if it has a record of sales. Around six months of orders is typical.
Do lenders need access to my store data?
They need reports. You can usually export these from the platform without sharing logins.
Can I borrow if I sell on several platforms?
Yes. Combined sales across platforms usually make the application stronger.
Related financing options
Ready to apply for business funding?
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