Can I use funding for Facebook and Google ads?

Absolutely. Many of our e-commerce clients use lines of credit and MCAs specifically for ad spend. There are no restrictions on how you use the capital.

Do you fund Amazon and Shopify sellers?

Yes. We fund e-commerce businesses across all platforms — Amazon, Shopify, WooCommerce, Etsy, Walmart Marketplace, and direct-to-consumer brands.

I only have 8 months of sales history. Can I qualify?

Yes. We fund e-commerce businesses with as little as 6 months of operating history and $10K+ in monthly revenue. We look at bank deposits and sales data, not just tax returns.

How quickly can I get inventory financing?

Most e-commerce businesses receive approval within 24 hours and funds within 1-2 business days. For PO factoring, we can fund against specific purchase orders in as little as 48 hours.

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Business Funding for E-Commerce & Online Retail

Inventory financing, ad spend capital, and working capital for online sellers. Fund your growth without giving up equity.

Get Funded Now Find My Loan Match

No Obligation

No Collateral

2-Minute App

$98K

Avg. Funded Amount

94%

Approval Rate

24 hrs

Avg. Funding Time

1,800+

E-Com Brands Funded

Why E-Commerce & Online Retail Businesses Choose Slate Financial

E-commerce businesses live and die by inventory, advertising spend, and fulfillment speed. Whether you sell on Shopify, Amazon, your own site, or a combination, Slate Financial provides the working capital you need to buy inventory ahead of peak seasons, invest in paid ads, and scale fulfillment operations without running out of cash.

Common Challenges

Inventory must be purchased months before revenue is collected

Digital ad spend requires large upfront cash commitments

Marketplace payout delays create cash flow gaps

Seasonal demand peaks require massive capital infusions

Traditional banks do not understand e-commerce business models

How We Help

Revolving lines of credit for inventory and ad spend flexibility

MCAs tied to daily sales volume so payments flex with revenue

PO factoring to fund large wholesale orders upfront

Term loans for warehouse expansion and infrastructure

0% intro APR cards for software and operating expenses

Common Funding Needs

What E-Commerce & Online Retail Businesses Use Capital For

Bulk inventory purchasing ahead of peak seasons

Facebook, Google, and TikTok advertising spend

Warehouse expansion and 3PL setup

New product development and sourcing

Website redesign and platform migration

Best Funding Options for E-Commerce & Online Retail

Matched to your industry's unique needs and cash flow patterns

Lines of Credit

$10K – $1M

24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use

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Merchant Cash Advance

$5K – $2M

24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions

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Term Loans

$25K – $5M

24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates

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Purchase Order Factoring

$50K – $10M

48–72 hours

Turn your purchase orders into immediate cash — finance up to 100% of your PO value.

Up to 100% PO financing No debt added to balance sheet Scales with your business

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0% Interest Business Credit Cards

$50K – $250K

7–14 business days

Access $50K–$250K in 0% intro-APR business credit cards, with a soft pull to pre-qualify and approval based on your personal credit.

0% APR intro period (12–21 months) No collateral required No revenue requirements

Apply Now

How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

States licensed

24hr

Funding speed

$50M

Max deal size

6,000+

Capital sources

FAQ

E-Commerce & Online Retail Funding Questions

Get Funded for Your E-Commerce & Online Retail Business

Join thousands of e-commerce & online retail businesses that trust Slate Financial. Apply in 2 minutes. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

Start Your Application Find My Loan Match