Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
What is the best financing for e commerce / online retail at N/A, based on monthly revenue LTV?
Revenue based financing for e commerce provides $10K to $250K within 3 to 5 business days based on your trailing 6 to 12 months of store revenue. Repayment is a fixed percentage (typically 5 to 15%) of daily or weekly sales until the advance is repaid. Factor rates range from 1.1 to 1.4, making it more affordable than MCAs. Approval is based on your sales data, platform revenue, order volume, and return rates, not traditional credit metrics.
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder
E commerce Working Capital & Inventory Funding
Amazon and Shopify sellers: fund your next inventory order with revenue based financing. $10K to $250K in 3 to 5 days based on your store revenue. No equity, no fixed payments.
Minimum 30-35% equity required. Amazon FBA sellers, Shopify merchants, and direct to consumer brands doing $10K+ monthly revenue who need capital for inventory purchases, seasonal stock ups, or product launches.
Deal Parameters at a Glance
LTV Target
N/A, based on monthly revenue
Est. Rate Range
Factor rate 1.1 to 1.4 (effective 15 to 40% APR)
Term
3 to 12 months (based on sales velocity)
Recourse
No personal guarantee in many programs
DSCR
N/A, repayment adjusts with daily revenue
Closing Speed
3 to 5 business days
Min Loan Size
$10K
Loan Products
Revenue Based Financing, Inventory Financing
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
When Is This the Right Fit?
E commerce inventory funding is critical when you need to place large inventory orders for seasonal peaks (Q4 holiday, Prime Day), launch new products, or restock bestsellers before going out of stock. The 3 to 5 day funding timeline means you can move faster than competitors waiting on bank loans. Use revenue based financing when your store data is strong but your personal credit or business history wouldn't qualify for traditional bank lending.
Want the full program overview, current rate sheet, and underwriting matrix? See the Lending Solutions guide →
Key Benefits
Strategic Alternatives
Merchant Cash Advance, Restaurant
If you have significant in person/POS sales alongside e commerce
Learn moreWorking Capital Line of Credit
If you have 2+ years of financials and want a cheaper revolving credit facility
Learn moreSBA 7(a) Working Capital
If you can wait 30 to 60 days and want the lowest cost long term working capital
Learn moreFrequently Asked Questions
See Related Rates by Program
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5 to 3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60 to 7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00 to 14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel financing is search only for $10 million and up, with cash in about 35 percent.
Private Credit
7.80 to 18.00%Non bank flexibility for commercial real estate at $10 million and up.
SBA 7(a) & 504
SearchSearch path. Not a growth lane on this desk.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Connect with PeerSense, Direct Capital Advisory
PeerSense pre underwrites every deal before presenting it to our institutional capital sources. With a curated network of lender relationships and live market rate intelligence, Talk to PeerSense about your e commerce / online retail deal with the right capital source, right now.
Fee at closing only · Complimentary initial consultation
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated September 2026.
Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of September 2026 and may not reflect current conditions at the time of reading. PeerSense sources capital through a curated network of commercial lenders and capital sources. All financing is provided by third party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.