Unlock capital directly from your Amazon inventory. Draw as you purchase, repay as you sell, and keep inventory moving without disrupting your cash flow cycle.
Liquid Inventory is a revolving line of credit backed by your inventory, giving you reliable, lower-cost funding whenever you need it.
Fund new orders for your top-performing ASINs, expand into new ASINs, or scale your business into new categories—all with one solution, one partner, and one source of capital.
Draw capital anytime and pay interest only on what you use, giving you flexible funding as demand changes.
Access up to $50M in inventory funding to reorder faster, avoid stockouts, and keep sales moving.
LOWER YOUR FINANCING COSTS BY UP TO
95%*
Use inventory as collateral to reduce financing costs and protect your margins.
Grow from your next purchase order to national expansion without switching lenders.
One of the fastest-growing non-bank lenders in North America, with over 20 years of experience supporting businesses at every stage of growth.
$114B
FUNDED TO BUSINESSES
20+
YEARS SUPPORTING BUSINESS GROWTH
44K+
CLIENTS FINANCED
14MM+
TRANSACTIONS PROCESSED ANNUALLY THROUGH OUR PLATFORM
Liquid Inventory is designed for Amazon sellers generating $2M+ in annual revenue. It handles complex inventory, supports multi-channel sales, and provides flexible funding that moves with your business.
Experience stock-outs during growth spurts
Want financing that scales as sell-through performance improves
Draw as needed with flexible credit up to $50MM.
Cover spikes in demand, including Prime and holiday surges, without delays.
Access and manage funding anytime—any device—with real-time visibility.
Manage stock across Amazon, Shopify, and other platforms with unified visibility.
Access larger credit lines as your business grows.
Funding built for repeat demand products.
Compare our flexible, inventory-backed revolving credit to other digital options and traditional loans across cost, access, and scalability.
Credit Structure
Cost of Capital
Flexibility & Access
Scales with Growth
Built for eCommerce
Revolving credit, adjusts with inventory
Competitive, inventory-backed pricing
Draw only what you need, pay interest only on funds used
Grows without refinancing
Purpose-built for inventory-driven businesses
Fixed loans or advances
High effective rates
Limited, set repayment schedules
Requires financing
General SMB focus
Revolving, but rigid
Lower headline rates, higher all-in cost
Heavy restrictions and rigid rules
Requires restructuring
Not designed for eCommerce
From faster approvals to flexible, inventory-backed credit lines, eCapital offers Amazon sellers a smarter, more scalable way to access working capital—without the high fees, rigid terms, or delays of traditional lenders.
Keep your business moving without the burden of expensive financing solutions like merchant cash advances (MCAs), short-term loans, or traditional term loans.
Apply in minutes, get fast decisions, and access working capital without the paperwork, delays, or back-and-forth of traditional lenders.
Unlock a revolving line backed by real-time performance data, giving you more capital as your sales increase.
A profitable seller wanted to scale marketing, increase purchase orders, and launch new products, but existing financing options didn’t provide enough capital to support growth.
This seller had access to capital from their bank; however, the bank was unwilling to extend funding beyond what their standing inventory justified, limiting their ability to grow their business. Without access to additional funds, the seller was unable to seize growth opportunities in real time.
Liquid Inventory provided upwards of $7MM inventory-backed revolving capital through a single financing partner.
The seller could draw funds instantly as needed, track activity through a simple self-serve portal, and fund marketing, inventory, and product launches, whenever growth opportunities arose.
An established Amazon seller needed to stock up for Prime Day and the holiday season while keeping financing costs low.
Traditional loans and short-term advances charged interest on the full loan amount, even when funds weren’t fully used. Seasonal refinancing slowed execution, reduced flexibility, and cut into already tight margins.
Liquid Inventory provided lower-cost, inventory-backed revolving capital with interest charged only on funds actually drawn.
The seller could draw funds as needed to stock up early, repay when inventory sold, and reuse the line for the next purchase without refinancing. This allowed them to enter peak season fully stocked, protect margins, and scale efficiently, all without overpaying for financing.
A fast-growing Amazon marketplace seller needed steady working capital to keep purchasing and operations moving.
They relied on multiple short-term loans that required constant refinancing. Nearly all cash generated from incremental sales was used to payback the fixed repayment schedule, preventing them from achieving the growth they saw as possible.
Liquid Inventory provided revolving, inventory-backed line of credit designed for eCommerce inventory cycles.
With a $770K line of credit, the seller could draw only what they needed and pay interest only on the funds used, and draw again. This freed up the cash flow needed to buy more inventory on their most popular ASINs, and scale their business. They grew 78% in 12 months by reinvesting their sales to expand their business.
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Liquid Inventory is a modern financing solution that aligns capital with your inventory to help e-commerce businesses grow faster. It provides a revolving line of credit backed by your existing inventory, giving you fast, flexible access to working capital.
Simply connect your sales and inventory data, draw funds when needed, and repay as inventory sells through, paying interest only on what you use. As your inventory grows, your available credit grows with it, giving you flexible, scalable access to working capital.
Connect your sales and inventory data from your Seller Central account, draw funds as needed, and pay interest on what you use.
Liquid Inventory removes the delays of traditional financing by aligning capital directly to your fast‑moving e‑commerce inventory. E-commerce businesses move fast. Inventory cycles shift, demand fluctuates, and growth can happen overnight—but traditional financing wasn’t built for that reality.
Many traditional lenders struggle with:
Liquid Inventory was built specifically to support modern e-commerce by aligning capital directly with the asset that drives your business: inventory.
Yes, eCapital can provide flexible financing for inventory in FBA, your own warehouse, or a combination of both. With solutions ranging from Liquid Inventory to Asset-Based Lending (ABL), we can value inventory across multiple locations and tailor funding solutions that work for your business.
No, Liquid Inventory is a modern, flexible alternative to traditional inventory financing. Unlike standard loans, it’s tech-enabled, scales with your inventory in real time, and is designed for fast-moving e-commerce businesses.
Eligibility is based on business and inventory performance—not personal credit scores.
Financing can be available in as little as a week. Apply today so you can have capital ready when you need it.
To provide and manage your credit line, we require a secure connection to your sales and inventory systems (such as Amazon Seller Central).
This allows us to monitor inventory levels and sales performance so your available credit line can adjust dynamically as inventory sells.
Yes, Liquid Inventory can work alongside other lenders. In some cases, this may require an intercreditor agreement to ensure all parties are aligned. Our team will guide you through the process to make it straightforward.
Up to 95% lower financing costs is based on a comparison of estimated effective annual percentage rates (APR) between inventory financing facilities and merchant cash advances (MCAs). Inventory financing (Liquid Inventory) is typically structured as a revolving credit facility or term-based inventory loan with indicative pricing generally ranging from approximately 6%–20% APR, depending on credit profile, collateral quality, structure, and market conditions.
MCAs are commonly priced using a fixed factor rate (often approximately 1.1–1.5), which can translate into an effective APR ranging from approximately 25% to 350% or more, depending on the repayment speed and revenue remittance structure.
The “up to 95%” savings figure reflects illustrative comparisons where lower-end inventory financing pricing (e.g., ~6% APR) is compared against higher effective APR outcomes commonly associated with MCA structures. Actual cost savings will vary based on the specific MCA factor rate, repayment timeline, inventory financing terms, advance rate, facility size, and borrower qualifications.
Examples provided are for illustrative purposes only and do not constitute a financing offer or guarantee of rates or savings. Effective APR calculations for MCAs are estimates and may vary depending on sales velocity and repayment structure. All financing products are subject to underwriting, eligibility requirements, and final documentation.
