Retail & E-Commerce

Business Funding for Retail & E-Commerce Businesses

Retail and e-commerce businesses live or die by inventory turn. ORP Group matches brick-and-mortar shops, Shopify and Amazon sellers, DTC brands, and wholesalers to a bank or lender for every type of business that understand seasonal inventory cycles and platform-based revenue.

63% of small businesses that applied for financing did so to cover operating expenses such as inventory and payroll.

Source: Federal Reserve Small Business Credit Survey, 2024

Approximately 33.3 million small businesses operate in the United States, with retail and e-commerce among the largest categories.

Source: U.S. Small Business Administration, 2024

Common Funding Challenges for Retail & E-Commerce

  • Q4 inventory ramp requires capital months before holiday revenue arrives.
  • Marketplace payouts (Amazon, Shopify, Stripe) settle on delays of 7–30 days.
  • Slow-moving SKUs tie up cash that could fund new product launches.
  • Brick-and-mortar locations carry high fixed costs even during slow seasons.

Best Funding Products for Retail & E-Commerce

Our advisors most commonly match retail & e-commerce clients with these products.

Business Line of Credit

Best fit for inventory cycles. Draw before your buying season, repay as products sell, and reuse the line every cycle.

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Term Loans

Fund a new location, large product launch, marketing push, or buildout with fixed monthly payments.

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Purchase Order Financing

Get supplier paid directly so you can fulfill confirmed wholesale orders without tying up your own cash.

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Revenue Based Funding

Fund POS systems, refrigeration, racking, packaging equipment, or warehouse build-outs.

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How Much Can a Retail & E-Commerce Business Qualify For?

Funding range
$10,000 – $2,000,000
Typical qualifying profile
$15,000+ in monthly revenue and 6+ months in business

Frequently Asked Questions

Ready to See What Your Retail & E-Commerce Business Qualifies For?

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