Skip to main content
E-commerce retail and online shopping illustration
E-commerce Financing

Scale Your Store with E-commerce Financing.

Inventory investments, advertising spend, and fulfillment infrastructure demand capital that scales with your sales velocity. Our in-house team understands digital commerce and deliver funding built for online growth.

Get Funded See Funding Options
Financing Challenges

Why E-commerce Businesses
Need Flexible Capital

Understanding the financial pressures unique to e-commerce helps us fund you directly with the right products.

Inventory Pre-Investment

E-commerce brands must order inventory 30-120 days before selling it. International suppliers often require deposits or full payment at order. Cash is committed months before a single unit ships to a customer.

Marketing and CAC Pressure

Facebook, Google, TikTok, and Amazon advertising costs increase annually. Customer acquisition costs can consume 20-40% of first-order revenue. Scaling ad spend profitably requires significant upfront capital.

Payment Processing Holdbacks

Amazon, Shopify Payments, and other platforms hold funds for 14-30 days after sale. PayPal reserves, chargebacks, and refund holdbacks further delay access to revenue you have already earned.

Fulfillment and Logistics

3PL fees, warehouse leases, shipping costs, returns processing, and last-mile delivery expenses scale with volume but require infrastructure investment before sales materialize.

Platform and Technology Costs

Shopify, WooCommerce, custom builds, ERP integrations, and analytics tools add monthly costs that scale with complexity. Technology investment is essential for conversion optimization and operational efficiency.

Seasonal Demand Spikes

Black Friday, Prime Day, and holiday season can represent 40-60% of annual revenue. Preparing inventory and marketing budgets for these events requires capital months in advance of the sales surge.

Recommended Solutions

Funding Products for
E-commerce Businesses

Each product is tailored to address the specific capital needs of e-commerce operations. Click to learn more about terms, eligibility, and the application process.

Working Capital Loans
Fund inventory orders and ad campaigns before peak selling seasons.
Why it fits: Fast capital (48 hours) for time-sensitive inventory and marketing investments.
Business Lines of Credit
Revolving credit for inventory, ads, and fulfillment costs.
Why it fits: Scale spending up during peak periods and reduce draws during slow months.
Real-World Impact

How We Help E-commerce
Businesses Grow

Illustrative Example — DTC Skincare Brand

The Challenge

A direct-to-consumer skincare brand with $2.4 million in annual Shopify revenue needed $180,000 to pre-order holiday inventory and scale Facebook/Instagram ad spend ahead of Black Friday. Their manufacturer required 50% deposit 90 days before delivery.

The Solution

Sunsurf Capital arranged a revenue-based credit facility using the brand's Shopify sales data and consistent ad ROAS (return on ad spend) as primary qualification metrics. Approval took 4 business days.

The Result

The brand doubled its holiday inventory budget and increased peak-season ad spend by 65%. Black Friday week revenue reached $420,000, a 78% increase over the prior year, and the brand finished Q4 with record revenue and positive cash flow.

This example is representative of typical client outcomes and is presented for illustrative purposes.

FAQ

Common Questions About
E-commerce Financing

Yes. Amazon FBA sellers, Shopify merchants, WooCommerce operators, Etsy sellers, and multi-channel retailers all qualify. We evaluate your platform sales data, reviews, and account health alongside traditional financial metrics.
Absolutely. Digital advertising spend is one of the most common uses of e-commerce financing. Working capital and credit lines can fund Facebook, Google, TikTok, and Amazon PPC campaigns. Lenders evaluate your historical ROAS to ensure marketing spend drives profitable growth.
E-commerce lenders look at Shopify/Amazon dashboards, monthly recurring revenue, customer lifetime value, return rates, ad ROAS, and fulfillment metrics in addition to traditional financials. Strong platform data can qualify you even if your business is relatively young.
We offer financing solutions for businesses navigating trade policy impacts. We can help you pre-purchase inventory at current rates, restructure supplier relationships, or absorb tariff costs while maintaining competitive pricing.
Yes. The transition from dropshipping to private label or wholesale inventory is a significant growth step that our financing products support. Inventory financing, working capital loans, and warehouse equipment can all be funded to enable this strategic shift.
Most e-commerce lending products require at least $10,000-$15,000 in monthly revenue. Higher revenue brands access better rates and larger credit lines. Even newer brands with strong growth trajectories and clean marketplace metrics can qualify for certain products.
Get Started

Ready to Fund Your
E-commerce Business?

Apply in 5 minutes and get a funding decision within 48 hours. No upfront fees. No obligation. Just the capital your e-commerce business needs to thrive.

Book a Free Consultation Apply Now