Working capital, built for e-commerce inventory

Stock up before demand spikes

Q4 is coming, your supplier wants 50% down with an 8-week lead time, and your cash is tied up in last month's ad spend.

We weigh processor and marketplace volume alongside bank activity, so peak-season buys don't stall on cash.

Processor & marketplace volume count
Sized for peak-season buys
Shopify, Amazon & DTC sellers

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Processor & marketplace volume countSized for peak-season buysShopify, Amazon & DTC sellers

Sound familiar?

The buy is due now. The sell-through that pays for it isn't.

Online, the cash is always one step behind the growth — tied up in stock, ad spend, and supplier deposits before a single order ships.

Your supplier wants 50% down with an eight-week lead time, and last month's ad spend already has your cash committed.

With capital in place, you place the pre-season buy without starving the campaigns that are still bringing in orders.

Your best SKU sells out right as demand peaks, and the reorder won't land until the moment has passed.

With working capital ready, you restock the winners before the peak instead of handing sold-out sales to a competitor.

ROAS is strong and you could scale tomorrow, but every extra ad dollar is cash you won't see back until the orders clear.

With funding behind you, you pour fuel on what's already working instead of throttling growth to protect cash flow.

You may qualify on processor and marketplace volume alongside bank activity. No obligation, and payments are structured to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly deposits (processor + bank). Four questions for a live range and readiness. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What e-commerce inventory owners use working capital for

Bulk inventory

Buy inventory ahead of peak season at better unit costs.

Restock best-sellers

Keep top SKUs in stock so you never miss a sale.

Scale ad spend

Fund proven campaigns to grow while ROAS is strong.

Supplier deposits

Cover supplier deposits and longer production lead times.

Warehousing & 3PL

Fund fulfillment, storage, and 3PL as order volume grows.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Processor volume

Card-processor and marketplace settlement volume alongside bank deposits.

Refund & chargeback rate

Healthy refund and chargeback levels for your category.

Seasonality

Peak-season ramps are expected and read in context.

We factor card-processor and marketplace deposit volume alongside bank activity.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time selling: 6+ months live
Time selling: Just launched / under 3 months
Monthly volume: Steady processor + bank deposits
Monthly volume: Thin or one-off spikes
Chargebacks: Within normal range
Chargebacks: Elevated dispute rate
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

Do you look at my Shopify / Amazon / processor volume?

Yes. For online sellers, card-processor and marketplace deposit volume are part of the review, along with your business bank activity.

Can I fund inventory ahead of a launch or peak season?

That's one of the most common uses. Underwriting sizes options on your volume and bank activity; pre-buying for a launch is normal in e-commerce.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.