Working capital for Shopify, Amazon, WooCommerce, and DTC brands. $5,000–$2M. Approvals in 24 hours. Fund inventory, ads, and platform fees without giving up equity.
E-commerce businesses face a unique set of cash flow challenges that don't apply to most traditional businesses. Platform fees are charged before revenue is settled. Inventory must be purchased 60–120 days before peak selling season. Paid advertising requires capital upfront with a 30–90 day payback period. 3PL providers charge monthly storage fees regardless of revenue.
These working capital demands are not weaknesses — they're the operational mechanics of a scaling online business. But they require capital that moves at the speed of digital commerce, not the 60–90 day pace of a traditional bank loan.
Merchant Fund Express approves ecommerce businesses in 24–48 hours based primarily on bank statement revenue — the same deposits from Shopify Payments, Stripe, PayPal, and Amazon that represent your real sales performance. No appraisals, no real estate collateral, no months-long underwriting.
The average overseas manufacturing lead time for consumer goods is 45–90 days — and that's before shipping (21–35 days ocean freight) and customs clearance (3–10 days). A product you want to sell in November needs to be ordered in June or July. That means your capital is tied up in-transit inventory for months before the first sale.
Domestic suppliers are faster (7–21 days), but still require payment at order. The working capital cycle for an e-commerce inventory-based business is substantially longer than for a service business — and financing is the most common way successful operators manage it.
Shopify charges monthly subscription fees regardless of revenue. Amazon FBA charges storage fees that spike in Q4 (October–December) — rates increase 3–5x during the holiday surcharge period. Fulfillment fees, pick-and-pack costs, and return processing are charged in real time, not at the time of sale settlement. These ongoing overhead items require consistent cash reserves.
Every dollar spent on Google Shopping, Meta Ads, TikTok Shop, or Amazon Sponsored Products is a cash outflow that may not return as revenue for 30–60 days (depending on inventory cycle and product margin). A scaling e-commerce brand spending $30,000/month on advertising is functionally providing a 30-day working capital loan to its ad platforms. Financing that cycle allows operators to scale ad spend in advance of expected returns — accelerating growth rather than throttling it.
Amazon holds funds for 14 days after each sale by default. Shopify Payments settles in 2–3 business days. Stripe and PayPal settle in 1–2 business days. If you're on Amazon and have $80,000 in outstanding sales, you may be waiting 2–4 weeks for funds that are already earned. A working capital product can bridge that gap, ensuring you have operating cash while marketplace settlements process.
Lump sum for large inventory buys, ad campaign launches, or platform expansion. Repaid via fixed daily or weekly ACH over 3–24 months.
Range: $10,000–$500,000
Revenue advance repaid via fixed daily ACH. Fastest approval. Excellent for stores with high monthly deposit volume needing immediate capital.
Range: $5,000–$1,000,000
Revolving credit for ongoing ad spend, restocking, and cash flow management. Draw as needed, repay as revenue comes in, reuse the credit line.
Range: $10,000–$250,000
Fixed weekly ACH repayments. Predictable payment schedule that aligns with your inventory-to-sale cycle. Popular with DTC brands and Shopify stores.
Range: $10,000–$750,000
Several e-commerce platforms offer their own financing products — Shopify Capital, Amazon Lending, and similar programs. These have real advantages but also meaningful limitations:
| Factor | MFE Ecommerce Loans | Shopify Capital / Amazon Lending |
|---|---|---|
| Eligibility | Any online retailer with 3+ months revenue | Must be invited; Shopify/Amazon sellers only |
| Amount Range | $5,000–$2,000,000 | Typically $200–$2,500,000 (varies) |
| Platform Restriction | No — use on any platform or purpose | Tied to that platform's ecosystem |
| Approval Speed | 24–48 hours | Pre-approved offers only (no application) |
| Multiple Platforms | Yes — sell on Shopify and Amazon and qualify | Platform-specific |
| Repayment | Fixed daily/weekly ACH | Percentage of sales or fixed daily |
For sellers on multiple platforms, or who need more capital than a platform offer provides, MFE often provides better options. The two are not mutually exclusive — many sellers use platform offers for smaller needs and MFE for larger capital requirements.
| Requirement | Details |
|---|---|
| Time in Business | 3 months minimum (MCA); 6+ months (working capital loan) |
| Monthly Revenue | $7,500+ (MCA); $10,000+ (working capital loan) |
| Bank Statements | 3–6 months showing consistent e-commerce deposits |
| Credit Score | No minimum for MCA; 500+ for working capital products |
| Business Structure | LLC, S-Corp, C-Corp, or Sole Prop with a business bank account |
| Collateral | Not required |
A direct-to-consumer skincare brand on Shopify had $65,000/month in average sales. For the holiday season, they needed $120,000 to pre-buy finished goods from their contract manufacturer in Q3. A $120,000 working capital loan was approved in 30 hours. They placed the order, received goods in September, and ran their most successful Q4 to date — $340,000 in November-December revenue. The advance was repaid by end of January.
A kitchen goods seller on Amazon and Shopify was spending $18,000/month on ads and wanted to scale to $40,000/month to capture demand before a competitor's planned product launch. Their bank balance wouldn't support a $22,000/month increase in ad spend without risk. A $75,000 working capital loan provided 3+ months of incremental ad budget. The revenue increase (from $72,000/month to $118,000/month) comfortably covered repayment.
A high-volume eBay reseller specializing in refurbished electronics had an opportunity to purchase a $45,000 lot of returned consumer electronics from a liquidator. The deal was available for 48 hours. An MCA application submitted at 9 AM was approved by 2 PM the same day. Funds arrived the next morning. The reseller purchased the lot, listed items over 3 weeks, and generated $78,000 in revenue — a strong return on the capital cost of the advance.
Financing products for online retailers — Shopify stores, Amazon sellers, WooCommerce stores, and DTC brands — that provide capital for inventory, advertising, platform fees, and working capital.
Primarily through business bank statements showing deposits from Shopify Payments, Stripe, PayPal, Amazon, or other processors. Bank statement deposits are the main verification method.
Yes. Shopify stores qualify for working capital loans, MCAs, and lines of credit. Revenue is verified through bank statements. Third-party lenders like MFE often offer larger amounts and more flexible terms than Shopify Capital.
$5,000–$2,000,000 depending on monthly revenue. MCAs are typically 100–150% of monthly revenue. Working capital loans can reach $500,000+ for $50,000+/month businesses.
Inventory, paid advertising, FBA fees, fulfillment costs, platform subscriptions, warehouse deposits, payroll, or any other legitimate business expense. Funds are unrestricted.
3 months for MCA; 6 months for working capital loans; 12 months for lines of credit.
You receive a lump sum. Repayment occurs via fixed daily or weekly ACH debits from your business account — not a percentage of each sale. Payment amount is fixed regardless of daily revenue fluctuations.
Yes, with 3–6 months of consistent revenue deposits in a business bank account. Physical location is not required.
Capital for Shopify, Amazon, DTC & more. Fast approvals.
Apply Now (305) 384-8391Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
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Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.