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-$250K within 3-5 business days based on your trailing 6-12 months of store revenue. Repayment is a fixed percentage (typically 5-15%) of daily or weekly sales until the advance is repaid. Factor rates range from 1.1-1.4, 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-$250K in 3-5 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 - 1.4 (effective 15-40% APR)
Term
3-12 months (based on sales velocity)
Recourse
No personal guarantee in many programs
DSCR
N/A — repayment adjusts with daily revenue
Closing Speed
3-5 business days
Min Loan Size
$10K
Loan Products
Revenue-Based Financing, Inventory Financing
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 3-5 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 30-60 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. Rates and structures across our money pages — updated weekly.
SBA 7(a) & 504
5.50–11.75%Up to $5M acquisition / real estate / equipment, 10% down
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive — Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Mezzanine Debt
11.00–18.00%Subordinate to senior, $1M–$50M, capital stack fill
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
Connect with PeerSense — Direct Capital Advisory
PeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With 500+ lender relationships and live market rate intelligence, we match your e-commerce / online retail deal with the right capital source — right now.
No upfront retainer · Fee at closing only · Complimentary initial consultation
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated March 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 March 2026 and may not reflect current conditions at the time of reading. PeerSense is a capital advisory firm, not a lender. We do not originate, fund, or service loans. 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.