Ecommerce Business Loans & Funding
Inventory and ad spend go out before the sales come in. Get matched with lenders who understand online businesses — funding based on your revenue, not hard assets. Free to apply, no hard credit pull.
Start your match
Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Funding for businesses without storefronts
Ecommerce has a cash gap built in: you pay for inventory and advertising upfront, then wait on sales and platform payouts. With little physical collateral, online sellers need funding that reads cash flow and platform revenue instead of assets.
What online sellers use funding for
- Buying inventory ahead of demand or a launch
- Scaling ad spend on winning campaigns
- Bridging marketplace payout delays
- Covering the cash gap during fast growth
- Expanding to new products or channels
Options that fit ecommerce
- Revenue-based financing, repaid as a share of sales — a strong fit for variable online revenue
- Working capital and short-term loans
- Unsecured funding that doesn't require collateral
What lenders look at
- Monthly sales and platform revenue
- Time in business
- Deposit and payout consistency — steady online revenue carries more weight than physical assets
Shopify and online seller funding, including lower credit
Selling on Shopify, Amazon, or your own store? Lenders read your platform revenue and deposits rather than hard assets, so funding is based on sales — which means lower credit is less of a barrier when your store has steady volume. Revenue-based financing is a popular fit because it repays as a share of sales.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Revenue-based financing you repay as a percentage of sales — payments flex with your revenue. Compare offers, no hard credit pull.
Get business funding without putting up collateral. Unsecured loans based on your revenue and cash flow. Compare offers, no hard credit pull.
Working capital loans cover payroll, inventory, and day-to-day costs. Compare offers from our network of lenders with no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
