business line of credit for e-commerce & direct-to-consumer
Business Line of Credit for E-Commerce & Direct-to-Consumer businesses. Built for e-commerce & direct-to-consumer cash flow.
A revolving line of credit gives you flexible access to capital whenever you need it. Draw funds, repay, and draw again, without reapplying.
- Max funding
- $250K
- Term
- Revolving
- Time to fund
- 24 hours
- Min FICO
- 550+
The short answer
Is Line of Credit the right fit for E-Commerce & Direct-to-Consumer businesses?
Revolving access for rolling inventory and ad-spend waves without reapplying.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in e-commerce & direct-to-consumer. Business Line of Credit maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Q4 Inventory Buys
Holiday inventory orders ship in August–September and require full upfront payment to overseas manufacturers. Running out in mid-December costs more than the inventory itself.
Meta / Google Ad Scale-Up
Paid-acquisition budgets scale linearly, but platform payouts (Shopify, Stripe, Amazon) arrive on a 1–14 day delay. Working capital smooths the gap.
Amazon / Walmart Marketplace Payouts
Reserve holds and rolling 14-day payouts trap working capital exactly when you need to reinvest in inventory and ads. Revenue-based funding unlocks the float.
Representative scenario
What a typical e-commerce & direct-to-consumer business line of credit looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Seasonality
When in the year e-commerce & direct-to-consumer businesses tend to need this capital. Time the draw, not just the deal.
Q1 (Jan–Mar)
Post-holiday inventory rebuilds and trend-research spending. Typically the lightest revenue quarter, a revolving credit line covers the trough.
Q2 (Apr–Jun)
Mother's Day and Father's Day peaks for gift-oriented categories. Opportunity to build Q4 inventory while cash flow is healthy.
Q3 (Jul–Sep)
Holiday inventory production window. The #1 borrowing season for e-commerce operators, overseas factories require full upfront payment.
Q4 (Oct–Dec)
BFCM through Christmas. 35–50% of annual revenue. Ad-spend and inventory replenishment both peak, lines of credit get heaviest usage.
Qualification
What we look for in e-commerce & direct-to-consumer files. Underwriting, in plain language.
- Minimum 6 months operating with verifiable platform revenue
- $15,000+ monthly gross revenue
- 500+ personal credit score
- Active Shopify, Amazon, Stripe, or equivalent merchant account
Other ICG products for e-commerce & direct-to-consumer
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Common questions
Business Line of Credit for e-commerce & direct-to-consumer. Honest answers, no fine print games.
QDoes gross merchandise volume count or just net payout?
We look at net payouts deposited to your bank account, that's the conservative, verifiable figure. Refunds and chargebacks are already netted out.
QCan I use funding for Meta / Google ad spend?
Yes. Paid-acquisition spend is a standard use of working capital and revenue-based funding for e-commerce operators.
QDo you fund Amazon FBA sellers?
Yes. Amazon FBA, FBM, and hybrid sellers all qualify. We're familiar with rolling-reserve mechanics and underwrite with them in mind.
QHow is interest calculated?
Interest is charged only on the amount you draw, not your total credit line. Rates are typically 1–3% per month on the outstanding balance.
QCan I increase my credit line?
Yes. After 6 months of on-time payments, you can request a credit line increase based on updated revenue.
QIs there a draw charge?
No draw charges. You access your funds at any time through a direct transfer to your business account.
Business Line of Credit for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your e-commerce & direct-to-consumer business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.