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
“We doubled sales and anticipate 100% revenue growth”
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.
Liquid Inventory is a revolving inventory financing solution designed specifically for Amazon sellers and eCommerce businesses. The solution provides inventory-backed working capital that sellers can draw as needed to purchase inventory, fund operations, and support growth. Unlike traditional business loans, sellers only pay for the capital they use, helping improve cash flow flexibility throughout the inventory cycle.
Amazon inventory financing works by using eligible inventory as collateral for a revolving line of credit. Sellers can access funding to purchase inventory, cover supplier payments, manage shipping costs, and support fulfillment operations before Amazon payouts are received. As products sell and revenue is collected, the balance is repaid and available credit replenishes for future inventory purchases.
Traditional business loans typically provide a fixed lump sum with rigid repayment schedules. Liquid Inventory is a revolving inventory-backed line of credit that adjusts alongside inventory and sales activity. This gives Amazon sellers ongoing access to working capital that scales with business growth, seasonal demand, and inventory turnover.
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.
Amazon sellers use inventory financing to bridge the timing gap between purchasing inventory and collecting revenue from Amazon payouts. Inventory financing helps sellers avoid stockouts, manage rapid growth, increase order volumes, prepare for Prime Day and Q4 demand, and maintain healthier cash flow without relying on expensive short-term financing options.
Liquid Inventory is designed for established Amazon sellers, marketplace sellers, and eCommerce businesses generating approximately $2 million or more in annual revenue. Businesses with strong inventory turnover, consistent sales history, and growing inventory requirements are often ideal candidates for inventory financing solutions.
Yes. Many Amazon sellers use inventory financing to prepare for Prime Day, Black Friday, Cyber Monday, and Q4 holiday demand. These peak sales periods often require businesses to finance inventory months before revenue is collected. Liquid Inventory provides flexible working capital that supports overlapping inventory cycles, supplier payments, and increased procurement activity during seasonal demand spikes.
Inventory financing can help Amazon sellers cover a wide range of operational expenses throughout the inventory cycle, including:
This helps sellers maintain inventory continuity while preserving operational cash flow.
Merchant cash advances often involve high financing costs and fixed repayment structures tied directly to daily sales. Liquid Inventory is an inventory-backed revolving credit facility designed specifically for inventory management and long-term business growth. Sellers draw only the amount needed and pay interest only on utilized funds, helping improve cash flow efficiency and reduce financing pressure.
The Liquid Inventory onboarding process is designed to move quickly for qualified Amazon sellers and eCommerce businesses. Many businesses can receive preliminary approvals within a few days after submitting financial and inventory information. Funding timelines vary based on business complexity, inventory structure, and underwriting requirements.
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.
