E-commerce Financing

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews from E-commerce business owners.

Lendio knows E-commerce small businesses.

Whether you’re looking to expand internationally or finance your next inventory order, Lendio has the expertise to make it happen. You can keep growing your online footprint while navigating price increases and shipping challenges.

It can be difficult to obtain funding for e-commerce operations, and you may start to feel the heat when you need capital to open, renovate, or expand your business. Luckily, it doesn’t have to be hard to get loans for for startups or established spots when you choose Lendio for your next financing opportunity.

Lendio is no stranger to funding for e-commerce business operations and the type of capital required to grow a profit-driven enterprise. Our network of preferred lenders makes it easy to submit a single application and receive multiple financing options to compare.

Why Lendio?

Move fast

Your business is working 24/7, and you need an e-commerce financing option that can keep up. Lendio’s application takes just 15 minutes to complete. And once you choose your financing and complete your documentation, you can get money in the bank in as little as 24 hours.

The help you need

Whether you have experience with e-commerce loans or have never borrowed funds before, we’re here to help. Every Lendio applicant gets a dedicated funding manager to figure out the next best steps for your business.

Access to more options

Lendio partners with more than 75 lenders, and you get access to them with just a single application. That means you can compare multiple loan or financing offers in one place, then choose the one that makes the most sense for your needs.

How our loan matching process works.


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Types of business loans for the E-commerce industry.

Revenue-based financing

Revenue-based financing is based on future sales, and the lender simply takes a percentage of your sales as repayment. eCommerce businesses can use the cash to pay the cost of inventory up front or bridge any other cash flow gaps.


1-15 months

Up to $1 million

Debt financing

Debt financing allows you to anticipate exactly how much you’ll repay each month with a fixed loan amount and monthly repayments. Opt for online term loans or an SBA loan that is backed by the federal government.


6 months-25 years

$5 million

Line of credit

A line of credit is like having a financial safety net in your back pocket at all times. You only borrow money when you need it, up to your maximum credit line. It’s perfect for a financial emergency or a major opportunity, like a big inventory order.


6-24 months

Up to $250,000

Equipment financing

As your ecommerce business grows, you may need new equipment to keep up. Whether it’s a pallet truck for your warehouse or new inventory software, the asset you purchase is used as collateral.


1-5 years

$5 million


Ecommerce businesses can acquire financing in a range of structures, from fixed rate loans to revenue-based financing. Applying through Lendio gives you the ability to compare multiple options in one place. We also work with many lenders who specialize in ecommerce businesses, including Amazon sellers.


It depends on the type of financing. At Lendio, applicants should meet the following minimum requirements:

  • $8,000 in monthly revenue
  • At least two years time in business
  • Credit score of at least 680


Most types of ecommerce financing don’t have any restrictions on how the funds may be used. Borrowed money from revenue-based financing, term loans, and lines of credit can be used however you see fit for things like marketing, inventory, software, or payroll. Equipment financing, however, typically needs to be used for whatever asset you’re purchasing with the loan funds. 

With a lender marketplace like Lendio, you can compare multiple offers and financing structures with just one form. You also don’t have to wait weeks for a funding decision, allowing you to make plans for the near-term with accurate financial information. Instead, you can get the ball rolling as soon as you pick the best lender for your needs and sign your new loan agreement. 

An SBA loan—or Small Business Administration loan—is made by a private lender, but guaranteed by the federal government. Although the application and approval processes are slower, your ecommerce business could benefit from the lower rates and less restrictive approval requirements that SBA loans are known for.

There are three common SBA loan types for small businesses, all of which could be utilized in the ecommerce industry. The first option is the 7(a) program, which provides funding for working capital, debt refinance, and asset purchases. Next up is the 504 program, designed to purchase fixed assets like warehouse space or machinery. Finally, the SBA microloan program offers smaller loans up to $50,000 for less established businesses.

8 out of 10 Lendio employees* or their families own a small business.

*based on 136 Lendio employees who responded to an internal poll

Quickly compare financing options from multiple funders.

Applying is free and won’t impact your credit

Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST