Funding For E-commerce And D2C Businesses
Working capital and growth funding for online sellers and direct-to-consumer brands — inventory, marketplace settlement and the gap that opens up when a brand grows quickly.
How funding works in this sector
An online business grows in a way that consumes cash rather than producing it. Inventory is bought and paid for up front, marketing is spent before the sale, and the marketplace settles a week or two after delivery — minus returns, which come back later still.
That means a brand can double its revenue and be tighter on cash than it was before. Funding here is almost entirely about the gap between paying for stock and being paid for it, and about doing that without pledging property the founders often do not have.
Where the money gets stuck
- Inventory purchased ahead of demand, especially before a festive or sale period
- Marketplace settlement cycles, net of commission and fees
- Returns and RTO, which reverse a sale after the cost has been incurred
- Marketing spent before the revenue it produces
- Warehousing, packaging and last-mile costs that scale with volume
How an online business is assessed
- Settlement and payment-gateway statements, which are the real revenue record here
- Return and RTO rates by category — a high return rate changes the whole picture
- Contribution margin after commission, shipping and marketing, not gross revenue
- Concentration: how much of the business depends on a single marketplace or a single SKU
Talk to someone who knows the cycle
Tell us the requirement and how your business actually gets paid. We will come back within one working day with the facilities that fit — and say so plainly if debt is the wrong instrument for what you are trying to do.
Or call +91 8087674850
The facilities that fit an online business
Every product we arrange is available to this sector. These are the ones its cash-flow shape actually calls for.
Funding for your e-commerce & d2c business
Tell us the amount, the purpose and how your customers pay you. A funding specialist will call back within 24 hours — no obligation, and no advance fee at any stage.