Funding for E-Commerce
An MCA keys off your daily sales volume — the one thing a growing store reliably has — and a line of credit smooths the buy-inventory, wait, sell-through cycle.
E-commerce growth eats cash in a particular order: you wire the factory a deposit, wait out production and a container crossing the ocean, pay the balance, pay the 3PL, fund the ad spend that moves the units — and only then does the revenue land, sometimes behind a platform payout hold. Banks look for assets and see none they recognize; your assets are inventory in transit and a sales velocity they do not know how to read. Broadway reads it fine. Three months of bank statements, one short form, soft credit pull, same-day decision, and funding in as little as 24 hours to keep the flywheel turning.
The challenge
Cash converts to inventory months before it converts back to sales, platforms hold reserves on your payouts, and ad spend has to scale at exactly the moment cash is tightest.
How Broadway Advance helps
An MCA keys off your daily sales volume — the one thing a growing store reliably has — and a line of credit smooths the buy-inventory, wait, sell-through cycle.
What owners use it for
- Place inventory orders ahead of Q4 and peak season
- Scale ad spend on campaigns that are converting
- Cover 3PL, freight, and fulfillment costs
- Launch new SKUs and product lines
- Bridge platform payout holds and reserves
- Buy packaging and supplies in bulk at better prices
See your real number in about five minutes.
Apply nowFunding options that fit e-commerce
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Asset-Based Lending
Turn real estate, inventory, equipment, or credit into working capital.
Based on asset value →E-Commerce funding questions
I sell only on Amazon and Shopify — can I qualify without a storefront?
Yes. We underwrite on bank statements, not on whether you have a front door. If platform payouts are flowing into your business account for the last three months, that is revenue we can fund against. Sellers with concentrated platform risk should be straight about it — a suspension would hurt repayment, and we price honestly — but a healthy store with steady payouts gets a same-day decision like any other business. The credit pull is soft, so applying costs nothing.
Can my inventory itself secure the funding?
It can, through asset-based lending — inventory is one of the asset classes we lend against, alongside receivables and equipment. For a seller carrying meaningful stock, ABL can mean more capital at a lower cost than an unsecured advance, with the trade-off of more documentation and the inventory pledged as collateral. Many stores blend approaches: ABL for the big seasonal buy, a line of credit for the swings. We broker 50+ programs and will structure what fits.
How does Broadway compare to the capital offers inside my selling platform?
Platform capital is convenient, and for small amounts it may be fine. The differences: Broadway shops your deal across 25+ funders instead of giving you one house offer, sizes funding up to $2M on an advance, and is not limited to what one platform sees of your business — wholesale, DTC, and multichannel revenue all count. You also keep your financing relationship independent of the platform that controls your account. Compare both offers; we will walk you through the real cost of each.