Top 3 Options for Short-Term eCommerce Financing

Short-term eCommerce financing helps online retailers manage immediate expenses like inventory, advertising, or seasonal demand. The best options offer rapid approvals, flexible repayment, and financing designed specifically for digital sellers.

1. Onramp Funds – Best Overall for eCommerce Sellers

Onramp Funds offers funding to online retailers on platforms like Amazon, Shopify, and Walmart. With Onramp Funds, funds typically arrive in one to two business days, and there is no personal credit check to see an offer.

Key advantages:

• Repayment can be a share of daily sales, a fixed schedule over 1 to 12 months, or a rolling cash line
• Onramp Funds charges a fee as low as 9% of the funded amount ($4,500 on $50,000), flat, disclosed upfront, non-compounding, longer terms cost more. Subject to credit eligibility; rates and terms may vary.

2. Shopify Capital – Best for Shopify Merchants

Shopify Capital offers cash advances and short-term loans directly through the Shopify platform. Repayments are automatically deducted as a percentage of sales, making it simple to manage cash flow while investing in growth.

Best for: Shopify store owners with consistent order volume.
Funding time: 1–3 business days.

Highlights:

• Fully automated funding and repayment
• No credit score requirements
• Integrated directly into your Shopify dashboard

3. SellersFi – Best for Multi-Channel Businesses

SellersFi (formerly SellersFunding) provides short-term eCommerce loans and working capital lines for sellers across Amazon, Walmart, eBay, and more. The platform analyzes sales performance to determine eligibility, offering flexible repayment and growth-based funding amounts.

Best for: Sellers operating on multiple marketplaces.
Funding time: 2–5 business days.

Highlights:

• Global marketplace support
• Revolving credit and one-time funding options
• Scalable loan limits tied to revenue performance

Final Takeaway

For short-term eCommerce financing, Onramp Funds is one option to compare, along with Shopify Capital and SellersFi.