Fuel your growth while covering ads, inventory, and shipping costs.
Tell us how much you need to grow:
Advantages
As an online seller, ecommerce funding gives you fast, flexible, and affordable access to capital that moves at the pace of your store. With Big Think Capital, you can manage cash flow, restock inventory before demand spikes, and finance ad campaigns across every channel without waiting on a traditional bank
Fund inventory restocks, product launches, and new channel tests.- Use funds for ads, creative, or shipping costs, not only hard assets.
Repayment structures that sync with your online sales patterns.- Helpful during seasonal peaks like Q4, Prime Day, or back-to-school.
Access capital without giving up equity or board seats.- Keep control of your brand while you scale DTC, marketplace, and wholesale revenue.
Platform Trust
Amazon Walmart Marketplace Etsy eBay Temu Shein Marketplace Wish Mercado Libre Rakuten Newegg Target Plus Verishop
TikTok Shop Facebook Marketplace Instagram Shop Poshmark
Shopify BigCommerce WooCommerce SHOPLINE Squarespace Magento / Adobe Commerce Wix eCommerce Weebly / Square Online OpenCart PrestaShop
THE BTC ADVANTAGE
Get the funding you need quickly to cover inventory, marketing campaigns, or seasonal spikes—so you never miss a sales opportunity.
Our funding solutions are designed to match your revenue cycle, helping you manage cash flow without straining your operations.
Easily connect your Amazon, Shopify, Walmart, or other storefronts so we can tailor offers based on your real sales performance.
As your store grows, your available funding grows too. Renewals and top-ups help you continuously scale.
PRE-REQUISITES
Ecommerce funding is business financing built specifically for online retailers. Instead of looking only at collateral or long tax histories, lenders review your store’s sales performance, platforms, and growth potential.
You can use e-commerce funding to:
Unlike venture capital, ecommerce funding is designed to be founder-friendly and does not require you to give up ownership.
Here is what the process typically looks like:
Many online sellers use ecommerce funding as a flexible layer on top of their existing bank relationships and payment processors.
How much ecommerce funding can I qualify for?
Your funding amount depends on your monthly revenue, sales consistency, time in business, and overall profile. Many online sellers qualify for amounts that are a multiple of their average monthly sales.
How fast can I get funded?
After you share your information and connect your storefronts, decisions can often be made in a few business days. Timing depends on how quickly sales data and documents are provided.
Can I use ecommerce funding for marketing and ads?
Yes. Many brands use ecommerce funding to pay for paid social, search, marketplace ads, influencers, creative, and email marketing, in addition to inventory and shipping costs.
Will ecommerce funding affect my credit?
Some products may involve a credit check, while others rely more on sales performance. During the application process, you will see what type of review applies so you can choose the option that fits your situation.
Ready to cover inventory, ads, and shipping without slowing growth? Apply now and see ecommerce funding options tailored to your brand, platforms, and revenue.
REVIEWS
4.9 out of 5 based on 2,886 reviews
I recently applied for and was approved for an SBA (7a) loan. It took many months and was a grueling process, but Joe Pellegrino, Dan Mansi (and their team), both, coached me through it and got me approved. These guys are the best. They care about you, and they go out of their way to get you past the finish line. I would highly recommend them if you are trying for an SBA loan… Very satisfied!
I just finished the SBA loan process with Big Think Capital and had a great experience. The process was easy, fast and straightforward. Austin Wallace, the wonderful fellow who guided me through the process, is amazing. He’s a great guy, smart, friendly, honest and a really good person. He made sure daily everything was on track and I am very thankful for him! I would do business with Austin and BTC anytime.
ARTICLES
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