Industry funding
Funding for e-commerce & online retail
Typical advances of $10,000 – $250,000, underwritten on your deposit history rather than your credit file.
E-commerce businesses use merchant cash advances to fund inventory and advertising ahead of a sales peak. For sellers whose cash is locked in stock for 60 to 90 days, an advance smooths the gap between paying a supplier and collecting from customers.
Common uses in e-commerce
- Inventory ahead of Q4
- Advertising and customer acquisition
- Supplier deposits and freight
- Warehouse and 3PL costs
- Platform and fulfilment expansion
Why underwriting understands this trade
Every industry has a cash-flow shape, and a bank's credit model tends to read that shape as risk. An online seller's cash sits in inventory for 60 to 90 days before it shows up as a deposit.
We have funded this trade for years, so the pattern reads as normal rather than as a red flag. That is the practical difference between applying here and applying to an institution that has never underwritten your sector.
What to expect
Advances for e-commerce & online retail typically run $10,000 – $250,000, with terms of 3 to 18 months and remittances collected daily or weekly.
Cost is expressed as a factor rate. Your own rate depends on underwriting, and every offer comes with a written disclosure of the total dollar cost.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
Questions
E-commerce funding, answered.
How much funding can an e-commerce business get?
E-commerce & online retail may qualify for $10,000 – $250,000 at GLD Factoring LLC DBA GLD Funding. The amount is driven by average monthly deposits rather than credit score.
How fast can an e-commerce business get funded?
Once we have a complete file, underwriting moves quickly and same-day funding is available on signed contracts. Actual timing depends on underwriting and your bank.
What do I need to apply?
4 months of recent business bank statements, plus basic business and owner details, to get started. Additional documents may be requested if your file needs them.
Do I need good credit?
We look beyond just a credit score. Underwriting reads business performance and cash flow to understand how the business actually moves money. A prior bank decline does not determine the outcome here.
Other industries
We fund these too.
Ready to see your range?
Advances from $10,000. Answer a few simple questions to get started.