Industry funding
Retail & E-commerce business funding
Inventory and growth capital for stores and online sellers ahead of busy seasons.
Written and reviewed by the BFG Funds Editorial Team · Updated October 15, 2026
Why retail & e-commerce businesses need flexible funding
Retailers and online sellers have to buy inventory months before it sells, and a strong holiday season can require more stock than cash allows. Funding sized to your sales history lets you order ahead, run promotions and expand channels.
Common challenges
- Buying inventory before peak season
- Supplier minimums and bulk-order discounts
- Marketplace payout delays
- Seasonal cash dips after the holidays
Funding options that fit retail & e-commerce
Revenue-Based Financing
Repay as a percentage of sales, so your payments flex with slow and busy months.
$25K – $1M · 24–48 hours
Learn moreBusiness Line of Credit
Draw only what you need, when you need it. Revolving capital that refills as you repay.
$10K – $500K · As fast as 24 hours
Learn moreWorking Capital
Cover payroll, inventory and seasonal gaps with fast, unsecured short-term funding.
$30K – $750K · 24–48 hours
Learn moreMerchant Cash Advance
An advance against future sales, repaid automatically from deposits — built for speed and flexible credit.
$10K – $500K · As fast as 24 hours
Learn moreRetail & E-commerce funding FAQ
Can online sellers qualify using marketplace revenue?
Many providers review marketplace and processor deposits into your business bank account. Consistent deposits matter more than where the sales come from.
What is the best funding for inventory?
A line of credit or revenue-based financing works well for recurring inventory buys because you can repay as the stock sells.
Tell us about your business
A few details are all we need to start. A funding specialist will look at what your business needs and come back with the options that fit — usually the same business day. There's no obligation.
- Checking your options won't affect your credit
- You talk to one specialist, not a call center
- Many decisions come within 24 to 48 hours