revenue-based funding for retail & e-commerce
Revenue-Based Funding for Retail & E-Commerce businesses. Built for retail & e-commerce cash flow.
Revenue-based funding uses your monthly business income, not your personal credit history, to determine how much capital you can access. If your register is ringing, your capital is waiting.
- Max funding
- $500K
- Term
- 3–18 months
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Revenue Funding the right fit for Retail & E-Commerce businesses?
Fund inventory purchases and seasonal staffing based on your monthly sales volume.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in retail & e-commerce. Revenue-Based Funding 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 revenue-based funding 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
Revenue-Based Funding 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.
QDoes applying affect my credit score?
No. We perform a soft credit inquiry during the initial review, which does not impact your credit score. A hard pull may occur only after you accept a funding offer.
QHow is the repayment amount determined?
Repayment is based on a percentage of your daily or weekly revenue. The exact amount is fixed at the time of funding so you always know what to expect.
QCan I pay off early?
Yes. Many of our revenue-based funding agreements allow early payoff with a discount on the remaining factor rate balance.
Revenue-Based Funding 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.