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Inventory Financing

Funding Solution

Inventory funding

Financing amount

$7,000 - $5,000,000

Term

Flexible; tied to each funded purchase order​.

Fees from

6% - fix fee on amount funded

Time to fund

up to 48h

Description

About:

CapEc enhances eCommerce growth by providing data-driven financing solutions specifically designed for online sellers operating on major marketplaces. Their mission is to eliminate traditional barriers to inventory expansion, allowing merchants to scale sustainably without sacrificing cash flow or equity.

Product:

CapEc’s inventory financing platform leverages real-time sales data from Amazon, Shopify, Walmart, and other eCommerce channels to provide purchase order funding of up to 70% within 48 hours, with no credit checks required. The solution addresses critical cash flow challenges faced by growing online sellers including seasonal inventory demands, supplier payment terms, and the capital constraints that limit expansion opportunities, while our flexible repayment structure aligns directly with your sales cycle rather than imposing rigid payment schedules.

Advantages

  • Fast approvals and funding within 48 hours to streamline inventory purchases.
  • No credit checks - funding decisions based on sales data.
  • Covers up to 70% of purchase orders, freeing up cash for growth.
  • Flexible repayments aligned with your sales cycle - pay as you sell.
  • Boosts ROI and and supports eCommerce scaling. We provide a 45 grace period before first repayment, our offer includes a clear monthly repayment schedule - when expected repayments are to be made. We try to match the expected sales rate of the inventory.

Platforms

E-commerce marketplaces or online selling channels that are supported.

Amazon

Shopify

Walmart

Others

Offer details:

Minimum monthly turnover
The minimum average monthly sales required to qualify for this funding solution.
$20,000
Minimum time in business
How long your business must have been operating to be eligible.
12 months
Minimum amount of financing
The range of available funding. The final amount depends on your business performance and credit assessment.
$7,000
Maximum amount of financing
The range of available funding. The final amount depends on your business performance and credit assessment.
$5,000,000
Interest fees
Interest rate represents the cost of your loan. Final rate depends on your business profile and creditworthiness.
6% - 14% - fix fee on amount funded
Repayment period
The length of time you have to repay the funding amount.
3-6 months, flexible terms based on sales
Repayment method
The way you'll pay back the funding.
Percentage of sales (pay-as-you-sell model)​​.
Duration of the contract
The duration of the funding agreement.
Flexible; tied to each funded purchase order​.
Terms of termination
The conditions and requirements for ending the funding agreement early.
Notice required; must meet repayment obligations​.
Time of decision
Maximum waiting period to receive a funding decision after submitting all required documentation.
up to 72h
Time to release funds
Expected timeframe from application approval to money being deposited in your account.
up to 48h
Insurance
Any required insurance coverage for the funding agreement.
Mandatory for shipment-related risks
Cost of Insurance
The additional expense for required or optional insurance coverage as part of your funding agreement.
Variable, included in their shipping
Additional Info
  • Product profitability must be >15%, and items must be non-perishable​.
  • Inventory as collateral
  • PO must meet CapEc criteria
Countries operating
Geographical regions where this funding solution is currently available to businesses.
Germany
France
Italy
Poland
United Kingdom
Spain
Netherlands
Sweden
Belgium
Ireland
Denmark
Canada
United States
Australia