Just pre-qualified:Restaurant Owner
10:00

Ready to get funded?

2 min · No credit pull

Apply Now →
HomeIndustriesRetail & E-commerce
🛍️Funding for retail stores and online sellers

Retail and e-commerce funding built for your selling cycle.

Retail and online businesses need capital that moves as fast as their inventory. Our network includes lenders who understand seasonal demand, inventory cycles, and platform-based revenue.

Retail & E-commerce — Funding Overview
$150K
Avg. Funding
24hr
Funding Speed
70%
Approval Rate
$5M
Max Available
One application routes to our full lender network
Industry Challenges

We understand what 🛍️ businesses face

Generic lenders don't understand your industry. Our network includes specialists who do — and who structure offers around how retail & e-commerce businesses actually operate.

  • Seasonal demand spikes requiring large upfront inventory purchases
  • Cash flow gaps between inventory purchase and sales revenue
  • Platform fees, ad spend, and fulfillment costs consuming margins
  • Returns and chargebacks affecting working capital
  • Rapid scaling requiring fast access to growth capital
Why Gateway Capital?
🧠
Industry-specific matching
Your application is routed to lenders who specialize in retail & e-commerce — not generic business lenders.
Speed that matches your pace
Most retail & e-commerce businesses get funded in 24–48 hours from application to deposit.
⚖️
Competing offers
Multiple lenders see your application and compete — you always choose the best terms.
🔒
No hard credit pull to start
Check your options risk-free. A hard pull only happens when you choose to proceed with an offer.
Get My Offers — It's Free →
FAQ

Common questions from retail & e-commerce owners

Can Amazon or Shopify sellers get business loans?

Yes. Many lenders in our network specialize in e-commerce sellers and use platform sales data (Amazon, Shopify, Etsy, etc.) as the primary underwriting metric.

What is inventory financing and how does it work?

Inventory financing lets you borrow against the value of inventory you plan to purchase. The inventory itself serves as collateral, making it easier to qualify.

How can I get funding for a seasonal business?

Lines of credit and MCAs work well for seasonal retailers — draw capital before your peak season and repay as sales come in.

Can a retail startup get funded?

Yes. E-commerce startups with 3–6 months of sales history can qualify for revenue-based financing and MCAs.

Get matched to retail & e-commerce lenders today.

Two minutes to apply. No hard credit pull. Decisions in 24–48 hours.

Apply Free — Get My Offers →