E-commerce financing for Canadian online stores
Fund inventory and ad spend ahead of peak season. Fast working capital for Shopify, Amazon and independent online sellers in Canada.
- Funding
- $5K – $1M
- Suggested product
- Business loan
- Decision
- As little as 1 business day
- Minimums
- 6 months, $10K/month
Why online sellers use fast funding
Online sellers must buy inventory and pay for advertising before the sales arrive. Running out of stock in peak season costs more than the funding ever would.
Working capital lets you order earlier, order more and scale advertising when it is working. The lending partner reviews your real revenue through a secure bank connection.
Example
$50,000 × 1.20 = $60,000
You receive $50,000 and repay $60,000 in total, a fixed amount agreed upfront. Illustration only; your offer comes from the lender.
How owners use the funds
Inventory
Order earlier and in larger quantities.
Advertising
Scale campaigns that are already profitable.
Peak season
Prepare for Black Friday and holiday demand.
New products
Launch product lines without pausing growth.
Funding options
Business loan
A lump sum repaid over 6 to 24 months with automatic payments. Best for inventory, equipment, hiring and expansion.
- Fixed total cost agreed upfront
- 6 to 24 month terms
- Daily or weekly payments
Merchant cash advance
An advance against future sales, repaid as a share of your card revenue. Payments rise and fall with your sales.
- Repayment flexes with sales
- Built for card-heavy businesses
- Approval based on sales history
Line of credit
A revolving credit line you draw from when you need it. Built for seasonal gaps and unexpected costs.
- Draw only what you need
- Reuse as you repay
- A cash-flow safety net
E-commerce financing FAQ
Can Amazon and Shopify sellers get funding?
Yes. Canadian e-commerce businesses meeting the minimums can request term financing or other options.
Can I use funding for advertising?
Yes. Working capital can be used for inventory, marketing and other business expenses.
Does an online business need a physical location?
The business must be located in Canada; the lending partner confirms any other requirements during review.