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.
Industries · Retail & E-Commerce
Retail Business & Inventory Financing. Stock the shelves. Staff the floor. Grow the business.
Stock inventory, hire seasonal staff, grow online. Revenue-based retail funding. 24-hour approval.
At a glance
What funding is available for retail and e-commerce businesses?
Stock inventory, hire seasonal staff, grow online. Revenue-based retail funding. 24-hour approval.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund retail & e-commerce
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against retail & e-commerce 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 retail & e-commerce bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in retail & e-commerce.
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.
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.
Products mapped to this industry
Eligibility for retail & e-commerce
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 as a retail business
- 02
$15,000+ monthly revenue
- 03
500+ personal credit score
- 04
Active business bank account
Get funded in your city
Retail & E-Commerce funding near you.
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Questions, answered
Real questions from retail & e-commerce operators answered straight.
Do 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.
Can 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.
Does 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.
Ready when you are
Get retail & e-commerce funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.