business line of credit for retail & e-commerce
Business Line of Credit for Retail & E-Commerce businesses. Built for retail & e-commerce 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 Retail & E-Commerce businesses?
Ongoing access to capital for inventory replenishment and operational costs.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in retail & e-commerce. Business Line of Credit maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Inventory Timing
Peak season inventory must be ordered months in advance, paid for upfront, before a single sale. Running out of stock during the holiday rush costs more than the inventory.
Seasonal Staffing
Hiring and training seasonal workers requires payroll capital weeks before the revenue arrives. Revenue-based funding covers the gap.
E-Commerce Growth Capital
Scaling online advertising, expanding product lines, and upgrading fulfillment infrastructure all require capital that won't tie up your cash flow.
Representative scenario
What a typical retail & e-commerce 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.
Qualification
What we look for in retail & e-commerce files. Underwriting, in plain language.
- Minimum 6 months operating as a retail business
- $15,000+ monthly revenue
- 500+ personal credit score
- Active business bank account
Other ICG products for retail & e-commerce
Not the right fit? Here is what else works in your industry.
Common questions
Business Line of Credit for retail & e-commerce. Honest answers, no fine print games.
QDo you fund brick-and-mortar or online-only retailers?
Both. Shopify, Amazon, and Etsy sellers qualify as readily as POS-based storefronts, we underwrite against deposits regardless of channel.
QCan I use funding for Q4 inventory buys?
Yes. September–October is our busiest month for retail revenue-based funding as operators prepay overseas suppliers for holiday inventory.
QDoes an Amazon 1099-K count as revenue?
Yes. Amazon, Shopify, and Stripe payouts all count. Submit 3–6 months of statements showing the consistent deposits.
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 retail & e-commerce business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.