Specializing In eCommerce Financing Options For Online Sellers & Retailers

eCommerce businesses take payments from customers via debit and credit card. Because these are the primary payment options accepted for an online customer, this makes these businesses the perfect candidates for eCommerce financing. A lump sum of financing is provided with a merchant cash advance in exchange for a fixed percentage of future debit and credit card transactions. Significant repayments to the loan amount/principal balance are only made when sales volume is on the rise since this type of financing is tied to sales volume.

In addition to this repayment system, what makes a merchant cash advance ideal for eCommerce financing is that good cash flow is not a strict requirement for approval with an eCommerce lender. eCommerce financing loans can be distributed at almost any stage of your financial cycle, regardless of seasonal ups-and-downs.

We find the right retail finance lender with the lowest interest rates for eCommerce companies.

Many UCS clients use e-Commerce financing loans to finance inventory and marketing campaigns, both of which are typically long-term investments. Discounts for inventory may be offered when revenue is predictably down, and marketing campaigns must be launched well ahead of peak buying periods. Credit card processing loans (merchant cash advances) allows eCommerce companies to invest several months before paying off the lender debt with the increased revenue from your price-based promotions, expanded product selection, and increased order value.

Other types of small business loans and low-interest rate options that could make sense for your needs are the Brex card or a business line of credit. The former financing option can be a great way to access working capital and pay your vendors upfront or ahead of due dates. Obtaining funding from eCommerce financing lenders and making timely payments on your purchase will make you eligible for discounts, benefits and fosters a relationship that ensures quick access to new products throughout the year, not to mention better purchasing power over time.

Business lines of credit are geared towards short-term investments or last-minute inventory financing. If your customers love an item that is selling surprisingly well, you could order more and then pay off the entire balance with the sale proceeds received immediately afterward. Business lines of credit can also get you over the occasional financing “hiccup,” which are all-too-common given the eCommerce industry’s volatile nature.

A lower credit score shouldn’t be a barrier to entry if your business performs well.

We can also facilitate eCommerce financing for business owners with a low credit score. Your consumers don’t care one bit about your personal credit history, and in the same light, it shouldn’t matter to lenders either if those consumers purchase and love your products and services.  Apply now to see how much you qualify for!