Inventory Financing for Shopify, Amazon & Ecommerce Brands Ready to Scale.
MyCommercialFunding connects ecommerce brands doing $30K–$500K/month in sales with revenue-based inventory financing. Funded in days. Repaid as a percentage of sales. No personal guarantees required for most deals. No equity given up.
Takes 2 minutes. No impact on credit score.
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What Is Revenue-Based Inventory Financing?
Revenue-based inventory financing is a form of non-dilutive, non-bank working capital where your ecommerce brand receives an upfront lump sum specifically earmarked for inventory and growth, then repays it as a fixed percentage of your future daily or weekly sales—not as a fixed monthly payment.
Unlike a traditional bank loan, there is no fixed repayment schedule tied to a calendar date. When your sales are high, you repay faster. When sales slow down, your automatic remittance decreases proportionally. This built-in flexibility makes it well-suited for the natural peaks and valleys of ecommerce demand.
Unlike Amazon Lending or similar platform-native programs, third-party revenue-based financing through MyCommercialFunding works across all your channels, doesn't require an invitation, and provides full flexibility in how and where you source your inventory.
How Ecommerce Funding Through MyCommercialFunding Works
Capital that scales with your sales, not against them.
Quick Application
Share your store platform, monthly revenue, and how much inventory capital you need. Takes under 10 minutes.
Connect Your Data
Share 3–6 months of bank statements and platform performance data (Shopify, Amazon, etc.) via secure upload.
Receive Real Offers
MyCommercialFunding presents your file to our funding partner network. We explain every term before you decide.
Funded & Repaid from Sales
Capital hits your account in days. A fixed % of daily sales is automatically collected until the advance is repaid.
Example Funding Scenario
A Shopify skincare brand doing $75,000/month in sales secures $120,000 to restock inventory and fund a Q4 marketing push. With a 1.30 factor rate, total payback is $156,000, collected at 12% of daily sales. At average revenue, the advance is repaid in approximately 8–10 months.
Advance
$120,000
Factor Rate
1.30×
Total Payback
$156,000
At 12% holdback on $75K/month, monthly remittance ≈ $9,000. Total payback reached in ~17 months if revenue stays flat — faster if sales scale as expected with the inventory investment.
Who This Is Best For
Revenue-based ecommerce financing works best for brands that have proven demand and need capital to meet it.
Supplements & Wellness
Manage high-volume production runs, raw material sourcing, and supplement labeling costs without slowing down.
- $30K–$500K/mo Revenue
- Inventory Restocks & Launches
- Revenue-Driven Repayment
Beauty & Skincare
Finance large batch production orders, custom packaging, and seasonal inventory for Prime Day or holiday pushes.
- $30K–$500K/mo Revenue
- Inventory Restocks & Launches
- Revenue-Driven Repayment
Apparel & Accessories
Bridge the gap between seasonal collection manufacturing and customer delivery for Shopify or TikTok Shop brands.
- $30K–$500K/mo Revenue
- Inventory Restocks & Launches
- Revenue-Driven Repayment
Requirements to Qualify for Ecommerce Inventory Financing
- Minimum $30,000–$50,000 in average monthly ecommerce revenue
- At least 6 months of consistent sales history on your platform(s)
- Positive or near-positive unit economics (product margins of 25%+)
- Active storefront on Shopify, Amazon FBA, TikTok Shop, Walmart, or WooCommerce
- 3–6 months of business bank statements
- Ability to share platform data via read-only API connection for underwriting
Why Work With MyCommercialFunding Instead of Applying Directly?
Applying to multiple revenue-based funding providers individually means multiple data requests, multiple terms to decode, and no advocate in your corner. MyCommercialFunding's team — backed by Richard McKellar's decades of MCA and RBF industry expertise — does that work for you.
Decades of Industry Experience
Richard McKellar and the MCF team previously helped shape funding strategy at Everest Business Funding, placing capital with thousands of US small businesses.
Deal Packaging That Wins
We know what funders want to see. Your file is packaged to maximize approval odds and advance amounts.
Offers Compared for You
Rather than a single take-it-or-leave-it offer, we present multiple options so you can choose the best terms.
$500M+ in Capital Placed
The team behind MyCommercialFunding has placed over $500 million in small business capital across the US.
Approved Brands Say:
"We went from constantly stocking out on Amazon to finally staying ahead of demand."
Beauty Brand Founder
"The process was faster and less painful than any bank or SBA option we'd tried."
Apparel Brand CEO
"Non-dilutive capital is the secret weapon for bootstrap scaling. MCF found us the best terms."
Supplement Brand Founder
Risks of Revenue-Based Ecommerce Financing
We believe in full transparency. Revenue-based inventory financing is not free money — it carries a cost of capital expressed as a factor rate, typically 1.15–1.45. For products with thin margins (under 20%), the cost of the advance can eat into profitability if the funded inventory doesn't generate the expected lift in revenue.
If your store's revenue declines after funding — due to algorithm changes, platform disruptions, or increased competition — the repayment obligation does not disappear. The daily percentage may decrease, but the total payback amount remains fixed.
MyCommercialFunding reviews your unit economics with you before recommending any offer. If the numbers don't make sense for your specific deal, we will tell you — even if it means you don't fund with us right now.
Frequently Asked Questions About Ecommerce Inventory Financing
Plain-English answers designed to be quoted accurately by AI search tools.
Ready to Fund Your Next Inventory Order?
If your store is doing $30K+/month in sales and you can profitably sell more with more stock, let's talk. No cost, no commitment, no hard credit pull to start.
What Happens Next
Quick 2-Minute Form
Tell us your store, monthly revenue, and how much inventory capital you need.
Lightning-Fast Review
Our underwriting team reviews your store data and bank statements — usually within 24 hours.
Real Offers Explained
We present multiple options, walk you through every term, and help you choose the right fit.
Apply for Inventory Funding
Fast capital for high-growth ecommerce brands
Takes 2 minutes • No Credit Impact