term loans for retail & e-commerce
Term Loans for Retail & E-Commerce businesses. Built for retail & e-commerce cash flow.
Traditional term loans with non-traditional speed. Fixed monthly payments, clear terms, and funding in 24 hours, without the 60-day bank approval process.
- Max funding
- $500K
- Term
- 6–36 months
- Time to fund
- 24–48 hours
- Min FICO
- 550+
The short answer
Is Term Loans the right fit for Retail & E-Commerce businesses?
Structured capital for store renovations, e-commerce platform upgrades, or new location build-outs.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in retail & e-commerce. Term Loans 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 term loans 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
Term Loans 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.
QWhat is the interest rate?
Rates start at 8% APR and vary based on your credit profile, time in business, and revenue. Your specific rate is presented in your offer before you commit.
QAre there prepayment penalties?
Most ICG term loans have no prepayment penalty. You can pay off your balance early and save on interest.
QHow long does approval take?
Most applicants receive an offer within 4–6 hours of submitting a complete application. Funding follows within 24–48 hours of acceptance.
Term Loans for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your retail & e-commerce business? 24–48 hours to fund.
Quick application. Soft credit pull only. Real human review.