The best ecommerce business loans provide funding for inventory and other store expenses, with repayment terms that leave room to manage daily operations. The right option will depend on how much you need to borrow, how quickly your products sell, and whether your business meets the lender’s requirements. I selected five providers that offer options for different borrowing needs, including planned purchases and recurring gaps in cash flow.
Best for | Maximum loan amount | |
|---|---|---|
| QuickBooks Capital | Ecommerce businesses using QuickBooks | $250,000 |
| Fora Financial | Larger inventory purchases | Varies |
| Bluevine | Recurring working capital needs | $250,000 |
| National Funding | Short-term financing with early payoff discounts | $500,000 |
| Shopify Capital | Eligible Shopify merchants | $2 million |
How I chose the best ecommerce business loans
I considered the following factors when choosing the best ecommerce business loans.
- Loan amounts and uses: I looked for financing that could cover routine store expenses as well as larger inventory purchases.
- Repayment terms and schedules: I considered how payment frequency and loan length could affect cash flow, particularly when sales fluctuate or inventory takes longer to sell.
- Rates and fees: I reviewed borrowing costs and whether early repayment could provide savings.
- Qualification requirements: I compared credit score, revenue, and time-in-business requirements, along with any restrictions tied to a specific platform.
- Application process and funding speed: I considered the paperwork involved and how quickly approved borrowers could receive funds.
- Access to additional funding: I looked at options for businesses that need to borrow repeatedly, such as revolving credit for inventory replenishment.
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- Best business loans for ecommerce businesses at a glance
- QuickBooks Capital: Best for ecommerce businesses using QuickBooks
- Fora Financial: Best for larger inventory purchases
- Bluevine: Best for recurring working capital needs
- National Funding: Best for short-term financing with early payoff discounts
- Shopify Capital: Best for eligible Shopify merchants
- How to choose an ecommerce business loan provider
- Alternatives to ecommerce business loans
Best business loans for ecommerce businesses at a glance
Starting interest rate | Maximum repayment term | Credit score required | Annual revenue required | |
|---|---|---|---|---|
| QuickBooks Capital | 9.99% | 24 months | 620 | $50,000 |
| Fora Financial | Varies | Varies | 570 | $240,000 |
| Bluevine | 7.8% | 12 months | 625 | $120,000 |
| National Funding | 1.11x | 18 months | 600 | Not stated |
| Shopify Capital | Varies | 18 months | None | Varies |
QuickBooks Capital: Best for ecommerce businesses using QuickBooks
 | |
|---|---|
Rates and terms | |
| Application time | 5 minutes |
| Approval speed | As fast as same day |
| Funding speed | Typically 1–2 business days after approval and acceptance |
| Loan amount |
|
| Starting interest rate |
|
| Repayment term | 6 to 24 months |
| Repayment schedule | Varies |
Qualifications | |
| Credit score | 620 |
| Time in business | 6 months |
| Annual business revenue | $50,000 |
Why I like QuickBooks Capital
QuickBooks Capital offers financing through an existing QuickBooks account, making it a convenient option for ecommerce businesses already using the software. Its application uses information from the business’s financial records, which is why I selected it for owners who want to apply for and manage funding within their accounting platform.
Borrowers can consider a term loan for a planned purchase or a line of credit for expenses that arise throughout the year. This gives store owners options for financing a larger inventory order or covering a temporary cash shortage, depending on their eligibility and available offers. Approved funding is typically deposited within one to two business days.
I also like that QuickBooks doesn’t charge origination fees or prepayment penalties. However, access depends on the business’ financial profile, and a personal guarantee is required for its term loan. Existing users can review their available financing options through their QuickBooks account.
Fora Financial: Best for larger inventory purchases
 | |
|---|---|
Rates and terms | |
| Application time | 10 minutes |
| Approval speed | As fast as 4 hours |
| Funding speed | As fast as 24 hours |
| Loan amount |
|
| Starting interest rate | Varies by loan product |
| Repayment term |
|
| Repayment schedule | Daily, weekly, or monthly, depending on loan type |
Qualifications | |
| Credit score | 570 |
| Time in business | 6 months |
| Annual business revenue | $240,000 |
Why I like Fora Financial
Fora Financial is a good fit for ecommerce businesses that need to finance larger inventory purchases, particularly when supplier orders require a substantial upfront payment. I selected it for this category because its funding capacity can support bulk purchases or seasonal stock orders while allowing owners to retain cash for other operating expenses.
I also like that owners can work with a capital specialist to discuss their purchase and review available financing options. Fora offers several products, giving borrowers different structures to consider based on the size of the order and how quickly they expect to sell the inventory.
The main consideration is choosing financing that fits the purchase. A large borrowing limit alone doesn’t make an offer suitable, especially if payments begin well before the inventory generates revenue. Owners should compare the available products carefully, since qualification requirements and repayment schedules vary by financing type.
Bluevine: Best for recurring working capital needs
 | |
|---|---|
Rates and terms | |
| Application time | 5 minutes |
| Approval speed | As fast as same day |
| Funding speed | As fast as 24 hours |
| Loan amount | Up to $250,000 |
| Starting interest rate | 7.8% |
| Repayment term | 12 months |
| Repayment schedule | Weekly, monthly |
Qualifications | |
| Credit score | 625 |
| Time in business | 12 months |
| Annual business revenue | $120,000 |
Why I like Bluevine
Bluevine’s revolving line of credit suits ecommerce businesses that regularly need funds to replenish inventory or cover temporary cash shortages. As borrowed principal is repaid, available credit replenishes, allowing eligible owners to request additional funds without completing a new application each time.
I like this structure for stores whose purchasing needs change throughout the year, since borrowing can follow the inventory cycle. An owner could request funds for a supplier order, repay the balance as products sell, and draw again when it’s time to restock.
Because access to additional funds depends on continued eligibility, owners should avoid treating unused credit as guaranteed cash for future purchases. Bluevine is better suited to recurring expenses the business expects to repay through ongoing sales, with each new draw considered alongside any existing repayment obligations.
National Funding: Best for short-term financing with early payoff discounts
 | |
|---|---|
Rates and terms | |
| Application time | 10 minutes |
| Approval speed | As fast as same day |
| Funding speed | 24 to 72 hours |
| Loan amount | Up to $500,000 |
| Starting interest rate | 1.11x |
| Repayment term | Up to 18 months |
| Repayment schedule | Monthly |
Qualifications | |
| Credit score | 600 |
| Time in business | 24 months |
| Annual business revenue | Not stated |
Why I like National Funding
National Funding is worth considering for ecommerce businesses that expect to repay short-term financing early, since its potential early payoff discount could lower the total borrowing cost. That's why I selected it for this category, especially for inventory purchases supported by an established sales history.
I also like that owners can work with a dedicated funding specialist to discuss their needs and understand how the discount would apply to an offer. Before accepting financing, borrowers can ask about the payoff deadline and any account conditions they must meet to receive the savings.
The discount should be assessed alongside the full financing cost, since another lender’s offer could still be less expensive after those savings are applied. Comparing the scheduled repayment amount with the discounted payoff amount can help owners decide whether National Funding fits their expected repayment plans.
Shopify Capital: Best for eligible Shopify merchants
 | |
|---|---|
Rates and terms | |
| Application time | 10 minutes |
| Approval speed | 1 to 3 business days |
| Funding speed | As fast as 2 business days |
| Loan amount | Up to $2 million |
| Starting interest rate | Varies |
| Repayment term | Up to 18 months |
| Repayment schedule | Automatic payments based on a percentage of daily sales, with two minimum payment requirements during the first 12 months; monthly fees also apply if that pricing option is selected |
Qualifications | |
| Credit score | No minimum |
| Time in business | Active Shopify subscription and at least 3 months of store operations, or first sale more than 3 months ago |
| Annual business revenue | Varies |
Why I like Shopify Capital
Shopify Capital gives eligible merchants a convenient way to explore financing within the platform they already use to manage their stores. Because offers are informed by store performance and displayed through the Shopify admin, owners can review available funding alongside information about their business’s sales.
I also like its sales-based repayment structure, which adjusts the amount collected as daily sales rise or fall. This can suit merchants with fluctuating revenue, although minimum payment obligations still require owners to monitor their progress when sales are slower than expected.
Access depends on receiving an offer to apply, and the convenience of using Shopify shouldn’t replace a comparison of borrowing costs. Owners should review the available fee structures carefully, since repaying sooner can reduce costs under monthly-fee pricing but won’t reduce a fixed borrowing fee.
How to choose an ecommerce business loan provider
The right financing should cover your store’s needs while leaving enough cash to keep operating during repayment. When comparing providers, consider how the loan will fit your purchasing and sales cycles.
- Consider what you need to finance. A term loan may suit a large inventory order with a known cost, while a line of credit can help with recurring purchases or occasional cash shortages.
- Match repayment to your sales cycle. Account for the time between paying your supplier and receiving money from customers. Shipping delays, slower inventory turnover, and returns can leave you making payments before the purchase has generated enough cash.
- Compare the total cost of each offer. Review the total repayment amount, fees, and payment frequency. If a provider uses a factor rate or fixed fee, don’t compare that figure directly with another lender’s APR.
- Check eligibility and platform requirements. Review the lender’s credit score, revenue, and operating history requirements before applying. Some options also require an existing account or an offer through a particular platform.
- Test whether payments remain affordable during slower sales. Estimate how much cash would remain after loan payments and operating expenses if revenue fell below expectations. Base your decision on what the business can reasonably repay rather than the largest amount offered.
Alternatives to ecommerce business loans
If the providers above don’t fit your store’s needs or qualifications, other financing options may be worth considering, such as:
- Business credit cards: A credit card can help cover smaller inventory orders and ongoing store expenses, with the flexibility to make purchases as needed. Compare our picks for the best small business credit cards based on borrowing costs, fees, and rewards.
- SBA loans: An SBA loan may suit a planned expansion or inventory investment when you have time for a more involved application process. Review the types of SBA loans to compare eligible uses and qualification requirements.
- Crowdfunding: A rewards-based campaign may help fund a product launch by offering supporters a product or another reward in exchange for their contribution. Our guide on how to crowdfund a business covers the process, including choosing a platform and preparing a campaign.
Frequently asked questions (FAQs)
Can I get an ecommerce business loan with bad credit?
Some providers consider applicants with lower credit scores, particularly when the business has sufficient revenue to support repayment. Your options may be more limited, so compare total borrowing costs and payment requirements carefully.
Can I get financing for a new ecommerce business?
It’s possible, although a store without sales history may have difficulty qualifying for the providers in this guide. Startup financing, supplier payment terms, or crowdfunding may be worth exploring, depending on your qualifications and funding needs.
What type of financing is best for ecommerce inventory?
A term loan can suit a large, planned order, while a line of credit may work better for ongoing replenishment. Consider how quickly you expect the inventory to sell and whether you can manage payments before those sales occur.
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