Business Line of Credit
For the buying cycle that repeats every season: draw per purchase order, repay as the stock sells, draw again on the next buy.
See Business Line of CreditWhat's your case?
Which funding fits your store right now?
What it means for your cashThe biggest order of the year is paid for in the year's tightest month.
Business Line of Credit
Draw for the purchase order and repay it down through the season, instead of tying up the whole reserve at once.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashYou know this SKU turns, and the money to reorder it is the only thing in the way.
Merchant Cash Advance
The fastest product to fund, and repayment follows sales, which suits a short, high-turn reorder.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashRevenue is earned and confirmed, and the payout lands days or weeks later.
Business Line of Credit
Bridges the settlement window and is repaid the moment the payout posts.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashYou pay for demand before you collect on it.
Merchant Cash Advance
Only if you already know what a dollar of ad spend returns, because the advance is repaid whether the campaign works or not.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashThe whole launch is paid for before a single unit sells.
Business Term Loan
One fixed monthly payment over a defined term, sized to what the line should sell rather than to one season.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashThe landed cost of the stock arrives as one payment, on top of the purchase order you have already paid.
Business Line of Credit
A line of credit covers the landing cost and is repaid as the units sell through.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe wholesale order ships now and pays a season later.
Invoice Factoring Tool
Turns the business-to-business invoice into cash and leaves the consumer side of the business untouched.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashStacked payments can turn a record month into a cash-tight one.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund an online store
Merchant Cash Advance
For a fast, high-turn reorder or a settlement gap you can measure. Repayment follows sales, but it costs more than a line of credit — it fits short money, not a seasonal buy.
See Merchant Cash AdvanceBusiness Term Loan
For one defined project: a new product line, a 3PL migration, a warehouse fit-out. Fixed payment over a term you can plan the launch against.
See Business Term LoanFrom the blog
FAQ
E-commerce funding questions
Inventory and purchase orders, freight and duty on landed stock, ad spend, fulfilment and warehousing, a new product line, and the wait between a sale and a payout. Falcon does not restrict the use of proceeds to one category.
No. Underwriting focuses on deposits, sales history and time in business. A home office and a 3PL address are normal.
A line of credit is how a purchase order usually gets paid, because the draw happens before the stock exists. Factoring works off an invoice for goods already delivered, so it does not fit a PO you have just placed.
Only if you already know your return on ad spend well enough to say what a dollar of it returns. The advance is repaid whether the campaign works or not, so it fits a measured reorder far better than a test.
$5,000 to $5,000,000 depending on the product. A line of credit runs $10,000 – $500,000, a term loan $10,000 – $5,000,000, and an advance $5,000 – $5,000,000. The final number depends on your revenue, your time in business and your bank activity.
Many products fund within 24-48 hours of approval. The supplier's deadline is the thing to work backwards from, so start the file before the order window opens.
Falcon charges a 0% agreement fee. For a sales-linked product, the total amount and the percentage of sales that goes toward it are both spelled out on the agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check and a list of any current advances or loans. Keep marketplace and processor payouts flowing into the business account, because that is what the file is read from.