eCommerce Business Loans

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eCommerce financing

Loans & Financing for eCommerce Businesses

The days of having to head out to wander aimlessly around stores until you find something you need are gone - ecommerce allows us all to simply order what we need without ever leaving the home. Online shopping was already the way the majority of us shopped in 2019, but the pandemic made online shopping not only convenient but necessary.

With such a wide range of tools out there, there’s never been a better time to start or expand an online store. That said, marketing and inventory can be expensive, and so you may find yourself in need of an ecommerce business loan.

Applying for eCommerce business financing is fast and easy:

Fill out a simple and fast online application in just minutes

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Receive funds from $5K - $1,000,000+ towards your business needs

Absolutely no negative impact on your credit score, ever.

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What is an eCommerce Business Loan?

Even without a physical store, eCommerce businesses have plenty of expenses, such as inventory costs, staff wages, and subscription fees. An eCommerce business loan allows you to borrow additional funds to help you run and grow your business.

How does an eCommerce Business Loan work?

The majority of ecommerce business loans allow you to borrow a lump sum which you pay back, plus interest, over a term of months or years.

eCommerce business loan options

OnDeck Business Loan Review


Funding: Borrow $5,000 - $250,000
Minimum Credit Score: 600
Loan term: up to 36 months
Funding turnaround: as soon as same business day

OnDeck offers fast business loan options such as term loans, business lines of credit, and SBA PPP loans and funding as fast as 24 hours. Minimum requirements include: at least 1 year in business, 600 credit score, $100,000 in gross annual revenue and a business checking account.

Credibility Capital

Credibility Capital

Funding: Borrow up to $500,000
Minimum Credit Score: 650
Best For: Term loans
Funding turnaround: Varies.

With Credibility Capital, borrowers with strong credit can obtain small business loans with attractive rates. A personal guarantee along with a business lien and revenue may be required to qualify. Note: This lender provides funding for all states except for North Dakota, Nevada, South Dakota, Vermont.

FundBox Business Loans


Funding: Borrow $2,500 - $150,000
Minimum Credit Score: 600
Loan term: 12-24 months
Funding turnaround: as fast as next business day

Fundbox requires minimal documentation and access to a revolving line of credit without origination or maintenance fees. Borrowers are not required to have collateral (with exception of larger credit lines which are subject to a personal guarantee).

Kabbage Business Loan Review


Funding: Borrow $1,500 - $150,000
Minimum Credit Score: 640
Loan term: 6, 12 or 18 months
Funding turnaround: As soon as 1-3 business days

Kabbage offers borrowers a credit line up to $150,000 with monthly repayment options and no prepayment penalties. Approval as fast as same business day.

Why should I use an eCommerce Business Loan?

An eCommerce business comes with a lot of expenses, which might be difficult to cover without a business loan.

An eCommerce business loan can be used for:

  • website costs
  • to purchase a domain name
  • hosting costs
  • to pay staff, such as a manager and web developer
  • insurance costs
  • marketing campaigns

The two biggest issues for most ecommerce businesses is keeping enough inventory to meet demand and having enough capital to scale advertising campaigns when they find traction. These issues can happen simultaneously, which is another challenge that can be eased with an ecommerce business loan.

Types of eCommerce Business Financing

If you are looking for eCommerce business financing, there are a number of options for you to choose from:

Term Loans

Term loans are offered by banks and credit unions, as well as online lenders. You can choose from a short-, medium-, or long-term loan depending on your needs, how much you are looking to borrow, and what you are able to qualify for.

A term loan from a bank will be the most affordable type of eCommerce business loan due to the low interest rates and desirable repayment terms, however, you will find that the qualification requirements are harder to meet, as you’ll need a good to excellent credit score and strong business history.

You also have the option of a term loan from an online lender, which are generally easier to qualify for but come with high interest rates.

SBA Loan

If you are looking to grow an already established eCommerce business, an SBA loan may be just what you need. This type of eCommerce business loan is backed by the Small Business Administration so that there is much lower risk to lenders, and they are more likely to give approval for worthy applicants.

This guarantee makes SBA loans particularly competitive amongst small business owners and with strict requirements set both by the SBA and the intermediary lenders, an SBA loan can be difficult to qualify for.

With that said, if you think you are a good candidate for an SBA loan, do not hesitate to apply for this type of eCommerce Business loan as they are an affordable financing option, with low interest rates, high amounts, and desirable terms. (Just be aware that they can take up to 12 weeks to fund, so aren’t a good option if you need to move quickly.)

Business Line of Credit

If you are unsure how much or when exactly you will need funding, a business line of credit could be what you need. You are supplied with a credit line which you can draw from as and when you need to, only paying interest on what you actually use.

As long as you do not exceed the limit of the business line of credit, you can pay back what you have withdrawn and use it over and over again until the credit line is closed.

Inventory Financing

This type of business loan is secured against the inventory you use it to purchase, so it can be a good option if your credit history isn’t good enough to land the best business loans and you’re purely looking to finance more inventory.

Purchase Order Financing

If you sell to other businesses and find your business facing a period of unexpected growth and do not have the finances to fulfill orders, you can take advantage of purchase order financing.

This is where a lender advances you a large percentage of your outstanding purchase orders so that you can pay suppliers or manufacturers to satisfy your customer’s order.

You will be required to pay interest to the lender until you receive payment from your customer. This type of eCommerce business financing is worth it if it means you can keep customers coming back by getting their orders out to them as quickly as possible.

Business Credit Card

If you are looking to cover smaller weekly or monthly expenses, or are just starting up an eCommerce business, you may find a business credit card to be a good option for you.

Look for a business credit card with a 0% APR introductory offer. This means that for a specified period of time, usually between 12 and 18 months, you can use the credit card without accruing interest on what you’ve spent. If you then pay off your balance before the introductory period is over, you won’t have to pay any interest at all.

A business credit card will help you to build your business credit score, which is important if you are looking for further financing down the road, and is also a good option if you are unable to qualify for other options as a new business.

Merchant Cash Advance

All ecommerce businesses use a payment processor, and if you are successful, your payment processing company may be willing to lend you a loan called a merchant cash advance. This is where you borrow a lump sum but instead of paying it back monthly, your payment processor will take an agreed percentage from all future transactions until the loan is repaid in full.

This type of loan is a great choice if your personal credit history isn’t good but your business is booming, because the payment processing company are only concerned with your revenue. You can also often pay these off quickly, especially if you use the loan to grow your business further. Most charge you a fixed fee instead of interest, but if they do charge interest, make sure you’re well aware of what the loan may cost you.

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What are the pros and cons of ecommerce business loans?


  • Helps you to grow your eCommerce business
  • Gives you the funding you need to maintain inventory
  • Provides you with extra working capital after website and hosting costs, etc.


  • Interest rates can be high
  • Not easy to obtain if you have a short time in business
  • You may find yourself limited by what opportunities you can take until you repay the loan due to a lack of capital

How to Qualify for an eCommerce Business Loan

Whether you are able to qualify for an eCommerce business loan will depend on the financial product you choose as well as the lender’s requirements. That said, most require:

  • A personal credit score of 680 or higher
  • Annual turnover of more than $50,000 (some have higher requirements)
  • A strong business plan
  • Your financial statements, profit and loss, financial forecast, etc.

Be aware that, if you have a relatively new eCommerce business, it is unlikely that you will be able to qualify for a bank loan or SBA loan but there are alternative methods of financing that may be available to you.

Which type of eCommerce Business financing is right for me?

To decide which eCommerce business financing is right for you, it is important to consider several things:

  • how long you can wait to receive funding
  • the loan amount you need
  • the strength of your business and financial history
  • what the funding will be used for
  • whether you can definitely afford a loan with interest

Only once you have considered this should you look to apply for an eCommerce business loan.

How to Apply for an eCommerce Business Loan

The application process for an eCommerce business loan will vary depending on the type of financing you choose. The process for a bank or SBA loan will be complex with a longer wait for funding, whereas the application for online lenders usually takes just minutes and you’ll receive funding in less than 14 days.

Whichever type of eCommerce business loan you choose, it is important that you take the time to compare lenders and rates with us to ensure that you are getting the right loan that is most affordable for you. Start comparing the best ecommerce business loans here and when you find the right one for your business, start the application process. You’ll soon have the funding you need to grow your ecommerce empire.

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