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E-Commerce Seller Financing review

Low-cost financing for Amazon sellers and more — but watch out for short terms.

  • Best for established Amazon sellers that want to purchase inventory.
  • Pick something else if you aren't an online seller or want long-term funding.
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Min. Amount$3,000
Max. Amount$500,000
Loan Term3 to 12 months
APRFee based
RequirementsHave a marketplace seller account, completed 250+ orders, $5,000+ in monthly sales, business bank account.

How much will this cost me?

E-Commerce Seller Financing charges a flat fee that ranges from 2% to 5% of the loan amount instead of interest. There are no other costs, aside from late and returned payment fees, which this lender doesn't disclose on its website.

You can borrow between $3,000 and $500,000 with terms from three months to one year. Based on the range of loan amounts, terms and fees, this loan comes with APRs of around 3.7% to 29.8%.

How it works

E-Commerce Seller Financing mainly bases your loan amount, term and fee on your sales history. How much you can borrow is based on E-Commerce Seller Financing projections of your next 90 days of sales.

If your business has positive, stable sales growth, it'll likely qualify for a lower fee. Sellers that surpass the $5,000 monthly sales requirement may even be able to qualify for a fee under 2%.

What do I need to qualify?

To qualify for a loan from E-Commerce Seller Financing, your business must meet the following requirements:

  • At least 250 completed orders
  • At least $5,000 in monthly sales
  • Marketplace seller account
  • Bank account

What information do I need to apply?

You'll need to provide the following information when you apply for a loan online.

  • Personal and business contact information
  • Business legal structure
  • Your seller account login credentials
  • E-commerce marketplace business report
  • E-commerce marketplace inventory report
  • E-commerce marketplace payments settlement report

Amazon users will have to provide a seller ID, marketplace ID and MSW authentication token — but you don't need to have this information before you apply. Sellers that use other e-commerce platforms may need to provide similar information.

What industries does E-Commerce Seller Financing work with?

E-Commerce Seller Financing only works with marketplace sellers, including resellers. As long as you can meet that requirement — and the other criteria — your business should be eligible for a loan through this lender.

Does E-Commerce Seller Financing offer any other loans?

Yes, this lender also offers a Quick Pay loan, which is like a short-term merchant cash advance. If your business makes more than $3,000 in gross monthly sales, you can apply for up to 90% of the net sales you made the day before you apply. You repay the loan plus a fee starting at 2% as you make sales.

To apply for this loan, reach out to customer service — there's no online application.

Pros and cons

Weigh the benefits and drawbacks of a loan through E-Commerce Seller Financing before you get started on the application.


  • Low flat fee of 2% to 5%
  • Potential grace period of one to three months
  • No hard credit check


  • Requires UCC lien on business and personal guarantee
  • Sort terms of three months to one year
  • Online application only connects to Amazon accounts

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Is E-Commerce Seller Financing legit?

Yes, E-Commerce Seller Financing is a legitimate lender. It's more transparent about the rates, terms and loan amounts than many similar providers. And it takes steps to protect your information.

It uses SSL security to protect all transactions you make through its website. And it only allows authorized employees to access your personal information. While it shares your information with other companies, it only does so with your consent.

E-Commerce Seller Financing reviews and complaints

E-Commerce Seller Financing barely has any online reviews at all. But the few that exist are positive. It doesn't have a Better Business Bureau page. And its Trustpilot page only has two 5-star reviews.

Both reviewers report they're impressed with the quality of service they received from E-Commerce Seller Financing.

How do I apply?

Get started on the application through the E-Commerce Seller Financing website if you're an Amazon seller. Otherwise, reach out to customer service by calling 385-715-7206 to learn how you can get started.

  1. Go to the E-Commerce Seller Financing website and click Apply now.
  2. Create an account by entering your name, Amazon Seller name, email and creating a password. Click Create account.
  3. Fill out the form with your personal contact information and click Next.
  4. Provide more details about your business and click Next.
  5. Follow the directions to link your Amazon seller account and hit Next.
  6. Review and submit your application.

What happens after I apply?

E-Commerce Seller Financing reviews your application and likely sends an offer within 24 hours if you're approved. If you agree to the terms of the loan, sign and submit the loan documents.

You should receive the funds in your business bank account either by wire transfer or ACH bank transfer. Typically this takes between one to two days. The whole process can take between one and three business days.

How do repayments work with E-Commerce Seller Financing?

E-Commerce Seller Financing enrolls all borrowers in automatic monthly repayments, based on your loan amount, fees and terms. But there is some flexibility. If you need to purchase inventory, you have the option of pushing back repayments by one to three months.

Once your business has repaid half of the loan, it's eligible to apply for more financing. But make sure your business can afford the cost of a new loan before you apply. If you have any questions or concerns, reach out to customer service as soon as possible.

Not sure about E-Commerce Seller Financing, or just want to check out more options? You can read our guide to business loans to find more lenders and information.

Frequently asked questions

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

E-Commerce Seller Financing is an online lender that specializes in funding e-commerce businesses, with special programs for Amazon and Walmart sellers. Like other e-commerce lenders, it charges a flat fee instead of interest. But rather than paying a portion of your business’s daily sales, this lender deducts a monthly repayment from your seller account, which gives you more flexibility.

While you can use the funds for any purpose, it offers a one to three month grace period before repayments begin that makes it particularly useful for buying inventory. But it only has an online application for Amazon sellers, and it might not be ideal for new businesses. If your business doesn’t have enough sales volume, it might not qualify.

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