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Lines of Credit for E-Commerce

Reviewed by Malik Samara · Updated May 2026

Manu helps e-commerce owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.

Disclosure: Manu is a loan partner, not a direct lender, and may earn a referral fee on funded loans. This does not change the rate or terms you receive.
$2B+Funded via Our Network
75+Lenders in Our Network
10K+Businesses Funded

How e-commerce businesses use this financing

Common uses of funds:

  • Inventory build for Q4 and Prime Day pushes
  • Amazon ad spend, Meta ads, and influencer campaigns
  • 3PL warehousing and fulfillment fees
  • Software, custom development, and Shopify Plus migrations

Typical loan size: E-commerce loans typically range from $25K to $1M, with high-revenue Amazon sellers accessing larger lines.

Seasonality: Most DTC and Amazon brands do 40-50% of annual revenue in Q4 and need pre-funded inventory by August.

Most common reason for decline: E-commerce brands are often declined for thin margins (under 30% net) or for over-reliance on a single SKU.

Best-fit products for e-commerce: Revenue-Based Financing, Lines of Credit, Inventory Financing.

Capital use cases for e-commerce businesses

  • Q4 inventory pre-funding: A $25K–$500K line of credit or inventory loan pre-funds peak-season stock by August so Q4 demand doesn't outrun cash.
  • Paid-ads scaling: Revenue-based financing of $25K–$250K funds Amazon, Meta, and influencer ad spend, repaid as a share of the sales it generates.
  • Fulfillment & platform: A $25K–$150K term loan funds 3PL onboarding, warehousing deposits, and Shopify Plus or custom-dev migrations.

Funding options for e-commerce businesses

Small Business Loans
$10K–$10M with terms up to 5 years. Funding in 1–3 days. FICO 580+.
SBA Loans
$50K–$5M government-backed financing up to 25 years at Prime + 1–2.75%.
Lines of Credit
$10K–$5M revolving capital with same-day funding. FICO 600+.
Equipment Financing
$10K–$5M to purchase or lease equipment. Up to 5 years. FICO 550+.
Merchant Cash Advance
$10K–$10M against future sales. Same-day funding, no minimum FICO.
A/R & Inventory Financing
Borrow up to 95% of receivables or 85% of inventory value.

Why E-Commerce owners choose Manu

Same-day to 1–3 day funding
Lines of credit and merchant cash advances can fund the same day. Most e-commerce loans wire in 1–3 business days.
75+ lenders, one application
Apply once through Manu's partner application — your file is shopped across a 75+ lender network so e-commerce owners get the best terms available.
Soft credit check only
Pre-qualifying takes about 3 minutes and won't affect your credit score. Just basic business details and your recent bank statements.
Lower credit accepted
Equipment financing accepts FICO 550+. Merchant cash advances and A/R financing have no minimum FICO when revenue is strong.

How e-commerce business loans work with Manu

1
Apply in 3 minutes
Tell us about your e-commerce business and share your recent bank statements to pre-qualify.
2
Compare offers
Manu's partner application matches you with lenders that fund e-commerce businesses and shows you real numbers.
3
Get funded
Accept the offer that fits, sign electronically, and receive funds in as little as 24 hours.

Ready to fund your E-Commerce business?

Get matched with offers in minutes — no hard credit check.

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E-Commerce Lines of Credit by state

E-Commerce Lines of Credit in AlabamaE-Commerce Lines of Credit in AlaskaE-Commerce Lines of Credit in ArizonaE-Commerce Lines of Credit in ArkansasE-Commerce Lines of Credit in CaliforniaE-Commerce Lines of Credit in ColoradoE-Commerce Lines of Credit in ConnecticutE-Commerce Lines of Credit in DelawareE-Commerce Lines of Credit in FloridaE-Commerce Lines of Credit in GeorgiaE-Commerce Lines of Credit in HawaiiE-Commerce Lines of Credit in IdahoE-Commerce Lines of Credit in IllinoisE-Commerce Lines of Credit in IndianaE-Commerce Lines of Credit in IowaE-Commerce Lines of Credit in KansasE-Commerce Lines of Credit in KentuckyE-Commerce Lines of Credit in LouisianaE-Commerce Lines of Credit in MaineE-Commerce Lines of Credit in MarylandE-Commerce Lines of Credit in MassachusettsE-Commerce Lines of Credit in MichiganE-Commerce Lines of Credit in MinnesotaE-Commerce Lines of Credit in MississippiE-Commerce Lines of Credit in MissouriE-Commerce Lines of Credit in MontanaE-Commerce Lines of Credit in NebraskaE-Commerce Lines of Credit in NevadaE-Commerce Lines of Credit in New HampshireE-Commerce Lines of Credit in New JerseyE-Commerce Lines of Credit in New MexicoE-Commerce Lines of Credit in New YorkE-Commerce Lines of Credit in North CarolinaE-Commerce Lines of Credit in North DakotaE-Commerce Lines of Credit in OhioE-Commerce Lines of Credit in OklahomaE-Commerce Lines of Credit in OregonE-Commerce Lines of Credit in PennsylvaniaE-Commerce Lines of Credit in Rhode IslandE-Commerce Lines of Credit in South CarolinaE-Commerce Lines of Credit in South DakotaE-Commerce Lines of Credit in TennesseeE-Commerce Lines of Credit in TexasE-Commerce Lines of Credit in UtahE-Commerce Lines of Credit in VermontE-Commerce Lines of Credit in VirginiaE-Commerce Lines of Credit in WashingtonE-Commerce Lines of Credit in West VirginiaE-Commerce Lines of Credit in WisconsinE-Commerce Lines of Credit in Wyoming

Other industries we fund

Chemical Peel StudioAcne Treatment ClinicRosacea Treatment ClinicPigmentation ClinicProbate MediatorFamily MediatorWorkplace MediatorBusiness MediatorDivorce MediatorForensic AccountantForensic AuditorCFO Services FirmFractional CFOFractional CMO

Other funding options for e-commerce businesses

E-Commerce LoanE-Commerce SBA LoanE-Commerce Cash AdvanceE-Commerce Revenue FinancingE-Commerce Working CapitalE-Commerce Equipment LoanE-Commerce Term LoanE-Commerce Factoring

Frequently asked questions

What kind of business loans can E-Commerce owners qualify for?

Through Manu's partner application, e-commerce owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.

How fast can a E-Commerce business get funded?

Lines of credit and merchant cash advances can fund the same day for qualifying e-commerce businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.

What credit score do I need for E-Commerce financing?

Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.

Will applying hurt my credit score?

No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.

What documents do E-Commerce businesses need to apply?

To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.

Sources & references

Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources:

Prequalify in Minutes

No credit impact for prequalification · Takes a couple of minutes