Industry Lending
E-commerce Business Loans
Inventory, marketing, and growth capital for DTC and marketplace brands.
$285K
Avg Q4 inventory bridge
$165K
Median DTC ticket
Amazon, Shopify, Walmart, TikTok Shop
Platform coverage
How we underwrite
E-commerce is an inventory-and-marketing business, and the cash conversion cycle is the entire credit story. Inflection Financing finances inventory PO funding, marketing capital ahead of high-LTV cohorts, and working capital between Amazon settlement, Shopify payout, and freight in-transit. We underwrite against multi-channel revenue and contribution margin, not just one platform's stats.
Typical loan sizes
$50,000 to $3,000,000
Common uses
- →Inventory and PO financing
- →Q4 capital build (Halloween through Christmas)
- →Marketing capital for high-ROAS campaigns
- →Working capital between platform settlements
Regulatory & underwriting notes
E-commerce credit underwriting reviews platform concentration (Amazon, Shopify, marketplaces), return rate trends, and chargeback history.
Recommended products for e-commerce brands
Working Capital
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Term
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Bridge
Bridge Loans
Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.
Other industries
Financing for e-commerce brands.
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.