Squarespace merchants can fund inventory, advertising, and daily operations through platform capital, revenue-based financing, business credit, bank financing, and SBA programs. These options cover businesses selling physical products, digital downloads, or subscriptions through Squarespace Commerce. Costs, repayment schedules, and eligibility rules vary, so the right choice depends on your sales history, growth plans, and timeline. This guide explains the main options available in 2026 and how Onramp Funds provides funding that follows the rhythm of your eCommerce sales.
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Squarespace financing options at a glance
Squarespace eCommerce sellers can generally access six categories of financing:
- Revenue-based financing works well for merchants who want repayment to sync with sales volume. It typically has a flat fee of 2% to 8%, with no compounding interest
- Platform capital through Squarespace Capital consists of invite-only advances repaid through a share of sales. Availability varies by merchant
- Business lines of credit provide revolving credit that you draw as needed. Interest applies only to the drawn balance, with annual percentage rates (APRs) often ranging from 10% to 30%
- Bank and online term financing provides a lump sum repaid in fixed installments. APRs vary widely based on creditworthiness
- SBA financing includes government-backed programs with competitive rates, often below 10% APR. Approval takes longer and requires extensive documentation
- Business credit cards are flexible enough for small, recurring expenses. APRs typically range from 18% to 28% when you carry a balance
They differ in total cost, repayment terms, funding speed, and eligibility. Looking at those details side by side can help you choose an option that fits your actual cash flow.
Does Squarespace offer business financing?
Squarespace Capital availability and eligibility
Squarespace has introduced Squarespace Capital as a merchant cash advance program for eligible sellers. It is not available to every merchant.
Squarespace sends invitations to merchants who meet its internal criteria. Those criteria typically include sales volume, account history, and payment activity processed through Squarespace Payments. If you qualify, an offer will appear in your Squarespace dashboard. You cannot submit a direct application because the platform determines eligibility.
Many merchants may never receive an offer, particularly newer stores and businesses that use third-party payment gateways. If your dashboard does not contain an invitation, you will need to consider financing from an outside provider.
How offers, fees, and repayment work
A Squarespace Capital offer typically works as a merchant cash advance. You receive a lump sum, and Squarespace collects repayment as a percentage of your daily or weekly platform sales. Repayment slows when sales fall and accelerates when revenue increases.
Squarespace generally presents the cost as a fixed fee rather than an APR. Your dashboard discloses the total repayment amount, including the advance and fee, before you accept.
The effective cost still depends on your repayment speed. Stronger sales can shorten the repayment period and produce a higher effective APR. Slower sales extend the timeline and reduce the annualized cost.
Before accepting an offer, review:
- The total repayment amount and fixed fee as a percentage of the advance
- The holdback rate, or the percentage withheld from each sale
- Any requirement to process payments exclusively through Squarespace Payments
- Any effect on your eligibility for future offers
Check the current disclosures in your Squarespace dashboard before accepting. Squarespace may change its terms or availability.
Financing options for Squarespace merchants
Revenue-based financing
Revenue-based financing gives you a lump sum that you repay as a percentage of ongoing sales. It has no fixed monthly payment, compounding interest, or equity dilution. Instead, you pay a flat fee that typically ranges from 2% to 8% of the financed amount.
Your remittances rise and fall with revenue. That structure tends to fit eCommerce businesses with variable demand or pronounced seasonal swings better than a rigid monthly payment does.
Providers such as Onramp Funds specialize in revenue-based financing and align repayment with store performance. Most providers focus more on sales history than personal credit scores. That can make this funding available to merchants who do not qualify for traditional bank products.
According to Allied Market Research, the global revenue-based financing market has grown as more online sellers seek flexible capital without giving up equity.
Business lines of credit
A business line of credit gives you access to a revolving pool of money. You draw what you need, pay interest on that amount, and restore your available balance through repayment. APRs typically range from 10% to 30%, depending on the lender and your credit profile.
This option can cover ongoing expenses such as inventory restocks, payroll gaps, or short advertising pushes. Many lenders require at least one year of business history and a personal credit score above 600.
Some lenders also require a personal guarantee. If the business defaults, your personal assets could be at risk.
Bank and online term loans
Term loans provide one lump sum that you repay in fixed installments, usually monthly, over an agreed period. Traditional banks often charge lower APRs of 6% to 15%. They also tend to require strong credit, detailed financial records, and several weeks of underwriting.
Online lenders move faster and can sometimes provide funds within days. That speed often comes with higher rates.
Term financing may make sense for a specific expense with a clear expected return, such as equipment or a large product launch. The fixed schedule makes planning easier, but the payment stays the same during a slow sales month.
SBA financing
The U.S. Small Business Administration backs several financing programs, including the SBA 7(a) loan. SBA-backed products often have APRs below 10%. Certain uses qualify for repayment terms of up to 25 years.
The application process takes time and paperwork. You may need tax returns, a business plan, financial projections, and collateral. Approval can take several weeks or several months.
Squarespace merchants with enough time and complete records may find that SBA financing is among their lowest-cost options.
Business credit cards
Business credit cards provide immediate purchasing power for smaller, recurring expenses such as software subscriptions, advertising, and shipping supplies. Many cards include rewards, cash back, or introductory 0% APR periods.
Carrying a balance changes the math quickly. Standard business credit card APRs typically range from 18% to 28%, and the interest compounds. Credit cards usually work better for short-term spending than as the main source of growth funding.
Invoice and purchase order financing
Squarespace businesses that sell wholesale or fulfill large business orders may have cash stuck in unpaid receivables. Invoice financing and purchase order financing can release some of that money sooner.
With invoice factoring, a financing company advances 80% to 95% of an unpaid invoice's value. The company then collects payment directly from your customer.
Purchase order financing covers the cost of fulfilling a confirmed order before delivery. Both options are mainly relevant to B2B sellers and merchants handling large, predictable orders. Fees typically range from 1% to 5% of the invoice or order value per month.
How to compare your options
Total cost and APR
Start by comparing the total cost of capital. Providers may quote a flat fee, an APR, or a factor rate, which can make two options look less comparable than they really are.
Calculate the total dollar amount you will repay above the original funding amount. Then annualize that cost based on the expected repayment period.
For example, a $50,000 advance with a 5% flat fee costs $2,500, regardless of repayment speed. Repaying it in three months produces a much higher effective APR than repaying it over 12 months. Ask each provider for the total repayment amount and expected timeline before you decide.
Fixed versus sales-based repayment
Fixed repayment is common with term loans and SBA financing. It gives you a predictable monthly bill, which can simplify budgeting. That same bill can put pressure on cash flow when sales slow.
Revenue-based financing and merchant cash advances, including Squarespace Capital, use sales-based repayment. You remit a percentage of each sale, so the payment declines when revenue does. For a seasonal eCommerce business, that adjustment can be more useful than a fixed payment schedule.
Funding speed and documentation
Funding timelines vary considerably:
- Revenue-based financing and merchant cash advances often take 1 to 3 business days
- Online term financing and lines of credit typically take 2 to 7 business days
- Traditional bank financing can take 2 to 6 weeks
- SBA financing can take 4 to 12 weeks or longer
The paperwork generally increases with the timeline. A revenue-based provider may need a connected store account and a few months of sales history. Banks and SBA lenders may request tax returns, profit-and-loss statements, balance sheets, business plans, and personal financial disclosures.
Personal guarantees and collateral
A personal guarantee makes you personally responsible for repayment if the business cannot pay. Most bank financing, SBA financing, and many business credit lines require one. Some online lenders require one as well.
Revenue-based financing often comes without a personal guarantee or collateral. Onramp does not require either.
See how Onramp funding works
Onramp Funds offers revenue-based financing for eCommerce businesses. If you sell through Squarespace Commerce or across several platforms, you can connect your sales data to find out what funding you may qualify for.
Onramp does not need an official Squarespace partnership or integration to evaluate your business. The application has three steps:
- Get your initial estimate by providing basic information about your business
- Securely connect your eligible sales and financial accounts so Onramp can review your revenue
- Review your customized offer and receive funds, often within days
Repayment syncs with your sales. You remit more when revenue is strong, and your payments adjust when revenue slows.
Onramp charges a flat fee that typically ranges from 2% to 8%. There is no compounding interest, hidden cost, personal guarantee, or equity requirement.
Choosing financing by business goal
Buying inventory
Inventory often requires a large upfront payment, while the related revenue may arrive weeks or months later. Revenue-based financing and lines of credit can both provide quick access to funds with more flexible repayment.
Purchase order financing may also work if you have a reliable supplier and predictable sell-through rates.
Funding advertising
Paid advertising on Meta, Google, and TikTok requires steady spending to maintain momentum. A business line of credit or a credit card with an introductory 0% APR period can help increase ad budgets without immediately draining cash.
Revenue-based financing can also fit this expense. If the campaign generates more sales, your repayment accelerates with the added revenue.
Managing seasonal cash flow
Seasonal businesses regularly have months when expenses exceed revenue. Sales-based repayment fits that pattern because payments shrink during slower periods.
A line of credit can act as a backup. You draw only what you need, then repay the balance when sales recover.
Financing equipment or expansion
Large, one-time investments include warehouse buildouts, manufacturing equipment, and retail space. Term loans and SBA financing usually provide the longer repayment periods needed for these expenses.
Their lower APRs can reduce the monthly cost of a large capital purchase. Expect a longer approval process and more documentation.
Frequently asked questions
What financing options can Squarespace eCommerce businesses use?
Squarespace merchants can use revenue-based financing, Squarespace Capital when invited, business lines of credit, bank and online term financing, SBA financing, business credit cards, and invoice or purchase order financing.
Does Squarespace offer financing directly?
Yes. Squarespace has Squarespace Capital, a merchant cash advance program for eligible sellers. Access is invite-only and depends on sales history and payment processing activity.
Who qualifies for Squarespace Capital?
Squarespace determines eligibility through internal criteria, including sales volume and account history. You cannot apply directly. You must receive an invitation through your dashboard.
Can Onramp Funds finance a business that sells through Squarespace?
Yes. Onramp Funds can evaluate and fund eCommerce businesses that sell through Squarespace Commerce. You connect your sales and financial data during the application process, and Onramp uses that information to generate a customized offer.
How do revenue-based financing, credit lines, and term loans differ?
Revenue-based financing has a flat fee and adjusts repayment according to your sales. Credit lines provide revolving access to funds and charge interest on the drawn balance. Term financing provides a lump sum repaid through fixed installments over a set period.
Which option works best for inventory, advertising, or cash flow?
Revenue-based financing and lines of credit can cover inventory and advertising. Sales-based repayment is especially useful for seasonal cash flow. Term loans and SBA financing tend to suit large, one-time expenditures.
How do fees, APR, repayment, and personal guarantees compare?
Revenue-based financing typically has a flat fee of 2% to 8% and no personal guarantee. Lines of credit and term loans charge APRs based on the lender and your creditworthiness, and most require a personal guarantee. SBA financing has competitive rates but requires extensive documentation and often collateral.
What documents, sales history, and credit requirements apply?
Requirements range from a few months of sales data for revenue-based financing to tax returns, business plans, and strong credit scores for bank and SBA products. Revenue-based providers such as Onramp focus more on sales performance than personal credit.
How quickly can merchants receive funds?
Revenue-based financing and merchant cash advances can provide funds within 1 to 3 business days. Online lenders typically take 2 to 7 days. Traditional bank and SBA financing may take several weeks or several months.
Ready to get funded with Onramp?
