E-commerce & Online Sellers
Buy inventory at the pace your ads can sell it.
Payouts lag, suppliers want deposits, and a winning product needs stock yesterday. AXIS funds the gap, with decisions the same day and funding in as little as 24 hours.
Typical funding for E-commerce & Online Sellers
- Merchant Cash Advance
$10K to $500K · funded in 24 hours
- Business Line of Credit
$10K to $250K · funded in 1 to 3 days
- Business Term Loans
$25K to $500K · funded in 2 to 7 days
What owners use it for
What E-commerce & Online Sellers owners use funding for.
Marketplaces hold payouts for one to two weeks while suppliers want a deposit today. AXIS funds the gap so a winning product doesn't sell out before the next order lands.
- Inventory and supplier deposits
- Ad spend to scale a proven product
- Warehouse, 3PL and fulfillment costs
- Marketplace payout gaps
Which product fits
Funding built for E-commerce & Online Sellers.
Three structures that show up most often for this industry. An advisor helps you pick based on your file.
Illustrative example
How the numbers can work.
A sample scenario, not a quote. Your amount, product and terms depend on your revenue and file.
Example: An online seller finds a product that is converting well on paid ads, but the marketplace holds the payout for two weeks and the supplier wants a deposit up front. The seller takes a merchant cash advance against recent sales to place the inventory order and keep the ad spend running, repaying it as a share of daily revenue.
| Monthly revenue | $70,000 |
|---|---|
| Amount funded | $40,000 |
| Product | Merchant Cash Advance |
| Funding time | 24 hours |
The squeeze usually hits right after a winning product is found, when ad spend and reorders outrun marketplace payouts.
Who qualifies
Qualifying as a E-commerce & Online Sellers business.
- 6 months or more in business
- $10,000+ in average monthly revenue
- Personal credit score of 500+ considered (revenue matters more than the number)
- Recent marketplace payout reports (Amazon, Shopify and similar) alongside, or in place of, bank statements.
Related reading
Read before you apply.
More on how this product works and what to expect before you apply.
Straight answers
Questions e-commerce & online sellers owners ask.
Do you fund Amazon and Shopify sellers?
Yes. Underwriting can read marketplace payout reports alongside or instead of traditional bank statements.
Can funding cover inventory before a product launch?
Yes, this is one of the most common uses: placing a supplier order and paying the deposit before the product itself has generated any revenue.
Do you consider marketplace payout reports as revenue?
Yes. Payout history from Amazon, Shopify and similar platforms is treated as revenue evidence, similar to a card processing statement.
Can I use funding to scale ad spend on a proven product?
Yes, a merchant cash advance is a common fit here, since repayment tracks daily sales as the ad spend converts.
What if my business is seasonal, like holiday-heavy?
Expected for ecommerce. We read the trend across months, so a strong Q4 can support financing that carries the slower months around it.
Other industries
Funding for other trades that run on cash flow.
Funding built for E-commerce & Online Sellers. Fast.
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.