Free tool

Know exactly how much capital your next move needs

Most sellers guess. This calculator starts from your actual business: your sales velocity, your costs, your timeline. It tells you how much you need, when you need it, and how fast your sales pay it back.

Inventory or purchase order funding

Calculate the capital gap between placing an order and collecting revenue from selling it.

Average monthly revenue

Cost of goods sold (% of revenue)

Typically 25% to 50% for ecommerce

Lead time (weeks)

PO to sellable inventory

Months of stock to fund

How many months of inventory

Existing cash available for this order

Scale your ad spend

Calculate the capital needed to ramp paid advertising before revenue catches up.

Current daily ad spend

Target daily ad spend

Current ROAS (return on ad spend)

Revenue per dollar spent. Typical range: 2x to 6x.

Ramp period (weeks)

How long to ramp from current to target spend

Average days from click to revenue

Lag between ad spend and when revenue hits your account

Seasonal prep (Q4, Prime Day, BFCM)

Calculate the capital needed to stock up and ramp advertising ahead of a seasonal peak.

Average monthly revenue (normal)

Expected seasonal multiplier

How much bigger is the peak month? 2x = double your normal month.

COGS (% of revenue)

Extra ad budget for the season

Weeks to prep before the peak

Existing cash available

Launch on a new sales channel

Calculate the capital needed to expand to a new platform: initial inventory, listing costs, and advertising to get traction.

Current monthly revenue (existing platforms)

New channel

Initial inventory allocation

Monthly ad budget (new channel)

Months to reach breakeven on the new channel

Typically 3 to 6 months for a new marketplace launch

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Fill in your numbers on the left to see exactly how much capital your next move requires and how your sales pay it back.

Strategic financing for ecommerce

Every other calculator asks how much you want. This one tells you how much you need.

Generic financing calculators start with a fixed amount and show payment schedules. This tool starts from your business: your sales velocity, your costs, your timeline. The capital number falls out of the math, not out of a guess.

See your real offer →

Ready to move?

Connect your stores and get a funding offer based on your actual sales data. No personal credit check to see your offer. Offers typically within hours.

Get funded →