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Invoice financing for retail & ecommerce

Get up to 90% of your unpaid invoices now. Retailers use Credible Lending invoice financing to place a larger seasonal order or scale a paid campaign that's working, with settled when your customer pays and advances within 24 hours.

Apply nowAbout invoice financing
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Invoice financing for retailers
AmountUp to 90% of invoice value
TermSettled when your customer pays
SpeedAdvances within 24 hours
PaymentsSettled from invoice payment
Best forB2B businesses with slow-paying customers

Common uses in retail & ecommerce

  • Place a larger seasonal order
  • Scale a paid campaign that's working
  • Open a pop-up or new store
  • Upgrade POS and fulfillment

Why retailers choose invoice financing

You pay suppliers first

Inventory is bought months before it sells. A revolving line covers the gap and resets as stock sells through.

Peak season decides the year

Fund the Q4 order in Q3, then repay from holiday revenue.

Ad spend compounds

When a campaign works, capital lets you scale it while it's working.

How does invoice financing work?

  1. 1

    Submit open invoices from creditworthy business customers.

  2. 2

    Receive an advance of up to 90% of their value.

  3. 3

    Your customer pays as usual.

  4. 4

    You receive the balance, minus a transparent fee.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for retailers

Questions, answered

Something else on your mind? Ask an advisor.

Can retailers qualify for invoice financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review retail & ecommerce financials with the industry's cash-flow patterns in mind.
Will my customers know I'm using invoice financing?
It depends on the structure. Ask your advisor about options where you continue to collect payments directly.
Can ecommerce businesses qualify without a storefront?
Yes. We look at revenue, deposits and processor history, not whether you have a physical location.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor