Industry Funding
Business Funding for E-Commerce & Online Retail
E-commerce growth is gated by inventory capital, ad budgets, and fulfillment costs. Commera arranges the right structure, inventory and purchase-order financing, a flexible line of credit, or fast revenue-based funding, without equity dilution or months of underwriting.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Inventory Capital Limits Growth
You've identified winning SKUs but can't scale orders because capital is tied up in existing inventory. By the time you collect, the window closes. A line of credit or inventory financing, or revenue-based funding when you need it fast, advances against your business so you can move now.
- 02
Ad Spend Before Revenue
Performance marketing works, but you pay Facebook, Google, and Amazon today while revenue arrives 30-60 days later. A revolving line of credit you can draw on, or revenue-based funding, closes the gap so scaling momentum doesn't stall.
- 03
3PL and Storage Costs
Third-party fulfillment contracts, storage minimums, and peak-season surcharges are often due upfront or on short billing cycles, exactly what a line of credit is built to smooth.
- 04
Supplier Lead Times Require Early Capital
Manufacturing lead times of 60-90 days require early PO placement. Purchase-order financing funds the supplier directly against a confirmed order, so you don't miss the production window waiting on cash.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Inventory Scale-Up
Use a line of credit, inventory financing, or revenue-based funding to double or triple order volume on proven SKUs before a peak season or marketing push.
Paid Ad Budget
Draw on a line of credit, or fast revenue-based funding, for a Facebook, Google, or Amazon Ads campaign without waiting for the previous campaign's returns.
3PL and Fulfillment
Cover storage, pick-and-pack, and onboarding costs for new fulfillment partners.
Product Development
Fund new SKU development, sampling, and tooling without pulling from operating capital.
Amazon FBA Fees and Prep
Cover inbound freight, labeling, and FBA storage fees before revenue season arrives.
Typical Funding Range
$15K-$500K
How to Qualify
E-commerce businesses qualify based on bank deposit volume, gross merchant volume on Shopify or Amazon needs to be reflected in your business bank account. We match you to the right product: a line of credit or inventory financing for steady restocking, purchase-order financing for big supplier runs, or revenue-based funding for a fast ad push. Consistent deposits qualify quickly.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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