Capital for inventory, marketing, and the next push
Whether you sell on Main Street, Amazon, Shopify, or all of the above — match with lenders who underwrite to platform data and inventory cycles.
Funding for retail & e-commerce
Retail and e-commerce businesses live by a single equation: inventory in, sales out, marketing fueling the cycle. Get the timing right and you scale; miss a Q4 inventory window or under-fund a winning ad campaign and you give the year to competitors.
Fine Point Lending works with brick-and-mortar retailers, Amazon FBA sellers, Shopify brands, DTC e-commerce operators, and omnichannel sellers. Our lender network includes specialists who underwrite directly to platform data — Amazon settlement reports, Shopify exports, Stripe deposits — and who understand that inventory and ad spend ARE the business.
Challenges we solve for
Inventory timing
Buy too early and tie up cash; buy too late and miss the season. Working capital and revenue-based financing fill the gap.
Ad-spend bottlenecks
Profitable ROAS means more spend wins. Capital lets you scale paid acquisition without choking cash flow.
Platform-dependent revenue
Amazon, Shopify, Walmart, TikTok Shop — each platform has its own settlement timing. Specialty lenders model these directly.
Holiday and seasonal swings
Q4 can be 50%+ of annual revenue. Pre-season funding turns that swing into a growth event.
Loan products best suited for this industry
Revenue-Based Financing
Repayment scales with daily sales — perfect for e-commerce brands with strong unit economics but variable revenue.
Working Capital Advance
Fast capital for inventory buys, ad pushes, and seasonal builds.
Learn more about Working Capital Advance →Business Line of Credit
Revolving funds for ongoing inventory turns and marketing flexibility.
Learn more about Business Line of Credit →Merchant Cash Advance
When speed beats absolute lowest cost — funded against future card or platform sales.
Learn more about Merchant Cash Advance →SBA 7(a) Loan
Acquire a competing brand or buy out a partner with long-term, low-rate capital.
Learn more about SBA 7(a) Loan →Qualifications at a glance
- Time in business
- 6+ months for most products · 2+ years for SBA
- Minimum monthly revenue
- $10,000+ for working capital · $20,000+ for revenue-based financing
- Personal credit score
- 550+ for working capital · 650+ for SBA
- Documents commonly requested
- Bank statements, Amazon / Shopify / Stripe exports, inventory aging, sales tax reports
Common use cases
Pre-Q4 inventory build
Working capital or revenue-based financing to land inventory in time for Black Friday and December.
Paid acquisition scaling
Capital to push profitable Meta / TikTok / Google ads when ROAS is hot.
Amazon FBA expansion
Funding against Amazon settlement data to build inventory in fast-growing SKUs.
Buying a complementary brand
SBA 7(a) financing to acquire a brand and consolidate operations.
"Honestly, I expected a sales pitch. What I got was an actual analysis of which products made sense for my business. Refreshing."
Brian T., E-commerce Brand (CO) — $220K SBA 7(a)