Inventory financing & working capital
Fund larger inventory orders and reorders so you can keep best-sellers in stock and capture demand instead of going dark.
Industries we serve
Business Loans for E-commerce & Amazon Sellers
E-commerce brands grow fast, but growth eats cash. Inventory has to be ordered and paid for long before it sells, marketplace payouts can be held for days or weeks, and advertising spend has to keep flowing to feed the sales engine. For Amazon FBA sellers, capital gets locked up in stock sitting in fulfillment centers, and a hot product can sell out right when you most need money to reorder. The faster you scale, the wider the gap between cash going out for inventory and ads and cash coming back from sales.
Alta Business Loans helps Amazon sellers, Shopify and DTC brands, marketplace sellers, and online retailers explore financing built for the speed and cash-flow patterns of e-commerce. As an independent broker serving all 50 states, we compare options across a network of trusted lenders so you can review several offers at once. Pre-qualification uses a soft credit pull only, so checking your options never affects your score, and our team can guide you in English or Spanish.
Nationwide—All 50 states
Trusted lender network
Bilingual EN / ES
Soft-pull pre-qualification
Funding options
Top financing options for e-commerce and Amazon sellers
E-commerce financing usually focuses on funding inventory and advertising to fuel growth.
Revenue-based financing
Access capital repaid as a share of sales, which fits the variable revenue of online stores and scales with your performance.
Business lines of credit
Keep a flexible reserve for inventory, ad spend, or seasonal pushes, drawing and repaying as cash flows in and out.
Merchant cash advances
Get an advance repaid from daily card or platform sales, useful for fast-moving stores with strong, consistent volume.
Common scenarios
Typical use cases
- Placing larger inventory orders and reorders
- Funding advertising and customer acquisition
- Bridging the gap before marketplace payouts arrive
- Launching new products or SKUs
- Covering the cash tied up in FBA inventory
- Preparing stock for Q4 and major sales events
Eligibility
What lenders look for
Lenders reviewing e-commerce applications often focus on your sales history, platform revenue, and the consistency of your payouts. Many revenue-based and inventory products place more weight on your monthly sales and deposits than on traditional collateral, since an online store's value lives in its revenue rather than fixed assets. Connecting clean records of your marketplace and processor activity helps.
You can strengthen your application by keeping organized records of platform sales, separating business and personal finances, and being prepared to show your revenue trend over recent months. Newer stores with a few months of consistent sales still have options, with terms improving as your history grows. Alta helps you match your profile to lenders that understand online businesses.
Why Alta
An independent partner in your corner
Alta Business Loans is an independent loan broker, not a single lender, which means we work for you rather than for any one funding source. When you bring us your needs as e-commerce and Amazon sellers, we compare your profile across a network of trusted lenders and bring back the options that actually fit your situation. That independence is the difference between being handed one take-it-or-leave-it offer and being able to weigh several side by side in plain language.
There's no cost to pre-qualify, no obligation to accept any offer, and no hard credit pull during pre-qualification—so exploring your options never lowers your score. Our advisors will walk you through how each option works, what it would cost, and how repayment fits your cash flow, in English or Spanish. When you're ready, applying takes under ten minutes and you can do it entirely online.
How it works
How the process works
Five simple steps from application to funding.
Apply
Complete our short online form in under 10 minutes—no document uploads to begin.
Review
An advisor reviews your profile using a soft credit pull only, so your score is never affected.
Match
We compare your profile against lenders in our network to find options that fit your business.
Approve
You review the offers and terms in plain English or Spanish and choose what works for you.
Funded
Finalize with the lender and put your capital to work—often within days.
Questions
Business Loans for E-commerce & Amazon Sellers: common questions
Can Amazon FBA sellers get financing?
Yes. Amazon and other marketplace sellers commonly use inventory financing, revenue-based financing, and lines of credit to fund stock and ad spend, with products that weigh platform sales heavily.
Will pre-qualifying affect my credit?
No. Alta uses a soft credit inquiry during pre-qualification, so reviewing e-commerce financing options won't lower your score. A hard pull happens only if you proceed with a lender.
Do I need physical collateral to qualify?
Often no. Many e-commerce financing products are revenue-based, focusing on your sales history and deposits rather than fixed assets, since an online store's value is in its revenue.
What can e-commerce financing be used for?
Inventory, reorders, advertising, new product launches, and bridging the gap before payouts are all common uses. Working capital and lines of credit can be used flexibly across your store.
How fast can an online seller get funded?
Revenue-based and working capital products often fund within a few business days once approved, which suits the fast pace of e-commerce.
Ready when you are
Scale your store—apply in under 10 minutes
Pre-qualification uses a soft credit inquiry only and won't impact your score. Bilingual English and Spanish support. A Principal Funding Advisor will reach out by email to walk through your options.
Free pre-qualification · No hard credit pull · Bilingual EN/ES