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.
Industries · E-Commerce & Direct-to-Consumer
E-Commerce & DTC Business Loans. Fund the Q4 inventory. Scale the ad spend. Own the category.
Fund Q4 inventory, scale ad spend, unlock marketplace reserves. Revenue-based funding for Shopify, Amazon, and DTC brands.
At a glance
What funding is available for e-commerce and DTC brands?
Fund Q4 inventory, scale ad spend, unlock marketplace reserves. Revenue-based funding for Shopify, Amazon, and DTC brands.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund e-commerce & direct-to-consumer
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against e-commerce & direct-to-consumer every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of e-commerce & direct-to-consumer bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in e-commerce & direct-to-consumer.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
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.
Products mapped to this industry
Eligibility for e-commerce & direct-to-consumer
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 6 months operating with verifiable platform revenue
- 02
$15,000+ monthly gross revenue
- 03
500+ personal credit score
- 04
Active Shopify, Amazon, Stripe, or equivalent merchant account
Seasonality
What normal looks like across the year.
ICG underwriting is calibrated to these rhythms. Slow months are not red flags. They are part of the model.
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.
Get funded in your city
E-Commerce & Direct-to-Consumer funding near you.
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Questions, answered
Real questions from e-commerce & direct-to-consumer operators answered straight.
Does 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.
Can 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.
Do 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.
Ready when you are
Get e-commerce & direct-to-consumer funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.