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Revenue-based financing for retail & ecommerce

Capital repaid as a fixed share of future revenue. Retailers use Credible Lending revenue-based financing to place a larger seasonal order or scale a paid campaign that's working, with until the agreed total is repaid and same-day decisions.

Apply nowAbout revenue-based 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.

Revenue-based financing for retailers
Amount$10K – $2M
TermUntil the agreed total is repaid
SpeedSame-day decisions
PaymentsA percentage of revenue
Best forSeasonal and card-heavy businesses

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 revenue-based 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 revenue-based financing work?

  1. 1

    Connect your bank or processor so we can see revenue trends.

  2. 2

    Agree on an amount, a total repayment and a holdback percentage.

  3. 3

    Receive funds, usually within a day.

  4. 4

    Repay automatically as a share of revenue. Slow weeks mean smaller payments.

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 revenue-based 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.
How is revenue-based financing different from a loan?
Instead of fixed installments, you repay a set percentage of revenue until an agreed total is reached. Payment size moves with your sales.
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.

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