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Inventory-in-advance is the whole game. Fund the buy, the ads, and the growth — off your store’s real revenue.
E-commerce runs on a brutal timing equation: pay for inventory months before it sells, pay for ads before they convert, wait out marketplace payout cycles — all while growth demands you buy deeper each cycle. Banks struggle with e-commerce files (no storefront, no equipment, inventory in a 3PL); revenue-based underwriting doesn't. Your deposits are the file.
We fund DTC brands, Amazon and marketplace sellers, and hybrid operations at $5,000–$10 million. Shopify payouts, Amazon disbursements, and marketplace transfers into your business account all read as revenue. Standard bar: 4+ months operating, $10,000+ monthly revenue.
One thing separates two stores with identical revenue, and it is not the revenue. An underwriter derives the average daily balance from the statements, meaning what the account holds between payouts, because the remittance is paid out of the balance rather than out of the monthly total. A seller whose money arrives in processor batches and leaves for the next inventory buy the same week can post strong deposits on an account that never has slack in it. Two habits move that number and neither costs anything: leave a float in the operating account, and stop routing payouts through personal or secondary accounts, since transfers between accounts you own are netted out rather than counted.
Online sellers typically see 80%–150% of monthly revenue, within $5,000 to $10 million. A store doing $40,000 a month generally lands in the $32,000–$60,000 band. Remittance is set to match how your processor and marketplace payouts actually arrive.
Yes — what matters is consistent deposits into your business bank account. Consolidate your payout destinations there and the full picture reads as revenue.
Size to sell-through, not ambition: fund the inventory turn you can realistically clear in the term. Your advisor will match the term to your cycle — a 4-month season shouldn’t carry a 3-year term.
4+ months of operating history with $10,000+ in monthly revenue is the gate. A fast-growing young store clears it quickly — early offers run conservative and improve with a completed cycle.
All of them. Stripe, Shopify Payments, PayPal, Amazon — every payout account is revenue, and sizing against partial deposits produces a smaller offer than your volume supports.
Yes — a rolling reserve or payout hold is a legitimate gap to fund, and naming it specifically helps structure the term around when the money actually releases.
Usually, for a reason you can check yourself. A reorder of a product that has already sold through comes with a history: roughly how long a run takes to clear, what the returns ran at and what margin survived them, so the term can be set to end after the stock has turned and the payback tested against real numbers. A launch has none of that, and the remittance starts on schedule whether the product finds buyers or not. That does not make a launch unfundable. It makes it the smaller part of any request, carried by the deposits the proven lines already produce rather than by its own forecast.
Not by itself. An underwriter reads the debit side of the account as closely as the deposits, so refunds and chargebacks are visible either way, and a spike reads differently from a steady rate. A steady rate is part of the cost of selling online and gets sized for. A spike raises a question, and a question left open is what costs you. If a batch went out faulty, or a marketplace froze a payout while it looked into a claim, write down what happened, when it ended and what the returns ran to, and put that in the application. The same facts, set out by you before anyone asks, read as a business that knows its own numbers.