Industries we fund · E-commerce & Online Sellers
Working capital for ecommerce businesses
Online sellers live between ad spend, inventory lead times, and platform payout schedules. Growth eats cash exactly when revenue looks best.
Clearwater places ecommerce files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for ecommerce business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a ecommerce file
Funders read ecommerce files through platform deposits - Shopify, Amazon, Stripe, PayPal payouts landing on rhythm. Payout consistency beats topline: a seller with $60K a month landing every two weeks prices better than one with big but erratic settlements. Heavy refund months and chargeback spikes are the red flags. Marketplace sellers should show the payout account, not a pass-through - funders size off what actually lands in business checking.
What ecommerce businesses use the capital for
- Inventory purchase orders ahead of demand spikes
- Ad-spend scaling when ROAS is proven
- Freight and container costs on restocks
- Bridging platform payout delays during growth months
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a ecommerce business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
E-commerce & Online Sellers funding questions
My revenue is on Shopify and Amazon. What do you look at?
The payouts that land in your business checking. Four months of platform deposits tell the story - screenshots from the platform dashboards are useful context but the bank statements decide.
Can I qualify while spending heavily on ads?
Yes. Aggressive ad spend with matching revenue is normal for the industry. What matters is deposits netting positive month over month.
Do chargebacks affect my file?
A normal rate is expected; a spike reads as risk. If a bad month had a one-off cause, tell us - explained anomalies keep files alive.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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