E-COMMERCE FUNDING
Capital for your Amazon business.
Restock bestsellers, pay suppliers, and fund your next growth move. We help Amazon FBA and FBM sellers compare funding around their sales, margins, and cash flow.
Illustrative cash cycleStock to payout
Example funding rangeCase by case
Estimated funding timeVaries
Cash-flow pressureInventory & payouts
Funding advisorDedicated
Industry patterns and funding ranges are illustrative examples. Funding timing depends on the product and your paperwork.
THE MONEY TIMING PROBLEM
Where the cash gets tight for Amazon sellers.
A healthy business can still run short. Money goes out before it comes in. Which of these hits you decides which type of funding you need.
Bestsellers need replenishing while cash is still tied up in stock
Advertising, fulfillment fees, and returns reduce what you keep
Payout timing and reserves can leave less cash available than sales suggest
The right funding fixes this without leaving you with a payment you can't make, or a loan that outlasts the problem.
WHY TALK TO US
Funding should fix the problem,
not just move it to next quarter.
Tell your advisor what's actually going wrong. They'll work out which type of funding solves it, then bring you offers from the lenders that fit.
Free consultation
Talk through your goals and explore funding options with a dedicated advisor.
Book a free consultationAsk for what you actually need
Work out the money you need now, and the cushion you want on top. Borrowing a round number you didn't check is how people get in trouble.
Match the payment to when money comes in
Daily, weekly, or monthly? Look at your slowest month, not your average one. Can you make the payment then?
Compare what you pay back in total
APRs, factor rates (the number your funded amount is multiplied by to get your total payback), flat fees, closing costs - we turn all of it into one number: total dollars.
Keep enough cash to run on
Don't spend the cushion. You still have to cover payroll and bills while the new money starts earning.
WHAT THE MONEY IS FOR
What Amazon merchants usually borrow for.
Some of these pay off in weeks, some in years. The loan should last about as long as the payoff takes.
What you needWhen it comes upWhere to startWhat decides it
01Replenishing bestsellersWhen proven products need reordering before the last batch has paid for itselfLine of CreditSales pace, supplier lead times, and cash available for repayment
02Supplier depositsWhen a manufacturer needs a deposit or balance payment before releasing goodsWorking CapitalThe full time from production to sale and payout
03Peak-season inventoryWhen you need stock in place ahead of Prime Day or holiday demandRevenue-Based FinancingA realistic sales forecast and room for slower sell-through
04Freight and FBA preparationWhen shipping, labeling, prep, and inbound costs fall due before inventory sellsWorking CapitalTotal landed cost and when stock will become available to sell
05Advertising proven productsWhen profitable campaigns need budget while you wait for sales proceedsRevenue-Based FinancingMargin after advertising, fulfillment, fees, and returns
06Gaps between payoutsWhen routine supplier and operating bills arrive before available funds reach your bankLine of CreditActual available balances, reserve history, and existing payments
07New product launchesWhen an established business adds a product line with upfront setup and stock costsTerm LoanExisting cash flow must support repayment while the new line ramps
08Fulfillment capacityWhen your own warehouse or fulfillment partner needs more capacity to handle growthTerm LoanCommitted costs, expected utilization, and the time to earn the investment back
UNDERSTAND THE COST
Compare the cost before you commit.
Compare the total cost, payment schedule, and cash left to run your store. Your actual terms depend on your business and the provider reviewing it.
Funding typeHow cost is quotedHow it's structuredWhat decides the amount
Working CapitalFixed fee or factor rateCapital advance; payments and reconciliation depend on the agreementRecent sales, available cash flow, and existing obligations
Revenue-Based FinancingAgreed funding fee or total repaymentA share of eligible revenue, or a schedule defined by the providerSales history, margins, and the revenue included in the agreement
Line of CreditInterest or fees on each drawDraw as needed within an approved limit; check renewal and draw feesCash flow, credit profile, and any required security
Term LoanInterest plus applicable feesA lump sum repaid over a set termRepayment capacity, trading history, credit, and use of funds
APR, factor rate, discount fee and total repayment are four different things - you cannot compare them side by side as if they were the same number. Compare these instead: total dollars paid back, how often you pay, how long it runs, the fees, what you put up as collateral, what you personally guarantee, and what happens if you pay it off early.
WHAT LENDERS CHECK
What decides your offer.
We tell the whole story of how your business runs - including the things that matter to Amazon sellers and never fit in a standard application form.
Sales and payout history, including reserves, refunds, and account health
This affects what you can get, how much, at what price, and what payments you can safely handle.
What remains after product costs, Amazon fees, fulfillment, advertising, and returns
This affects what you can get, how much, at what price, and what payments you can safely handle.
Inventory sell-through, supplier lead times, and reliance on your top products
This affects what you can get, how much, at what price, and what payments you can safely handle.
Existing finance, repayment commitments, and cash available in slower months
This affects what you can get, how much, at what price, and what payments you can safely handle.
NOT SURE WHICH TO PICK?
Talk to an advisor before you sign anything.
We'll walk you through what it really costs, how often you pay, how long it runs, what you're putting up, what you're personally on the hook for - and whether your Amazon business can actually carry it.
Talk to an advisorUSUALLY A GOOD FIT
Funding types that suit Amazon sellers.
These are starting points, not recommendations. What actually fits depends on your whole business and what you're spending the money on.
COMMON QUESTIONS
Questions about funding your Amazon business.
Can both Amazon FBA and FBM sellers explore funding?
Yes. We can review businesses using Fulfillment by Amazon (FBA), Fulfilled by Merchant (FBM), or a mix of both. Your fulfillment model is part of the picture. Funding still depends on your business, sales history, margins, existing debt, and each lender's requirements.
What can an Amazon merchant use funding for?
Common uses include replenishing stock, paying supplier deposits, covering freight and preparation costs, funding seasonal inventory, and advertising established products. Your advisor will match the use of funds to the proposed repayment schedule and confirm any lender restrictions.
What information should I have ready?
Start with recent business bank statements, Seller Central sales and payment reports, a profit-and-loss statement, and details of existing finance. Inventory reports, supplier invoices, advertising spend, returns, and account health information can help explain the request. The exact document list depends on the provider.
Do I need an Amazon Lending invitation?
No. You can speak with Westwind independently of any financing offer shown in Seller Central. Westwind is a funding advisor, not Amazon or a lender. We compare options through our own lender network, with separate applications and eligibility decisions.
Can funding help while money is held in reserve?
It may help bridge a temporary cash-flow gap if a lender is comfortable with the business and the reason for the reserve. Financing cannot release money held by Amazon or resolve an account restriction. Share payment reports and account health information so the review reflects the cash you can actually access.
Will repayments fall when my Amazon sales fall?
That depends on the contract. Some revenue-based structures use a share of eligible sales; other products have fixed payments. Your advisor will explain what revenue counts, how payments are collected, and whether adjustments or minimum payments apply.
Can a new seller or a seller with existing finance apply?
We can review the situation, but an account without trading history has fewer funding options. If you already have finance, disclose every balance and payment. Lenders assess the combined burden, and existing agreements may restrict additional borrowing.
How much can I qualify for, and how quickly?
There is no single amount or timeline for Amazon sellers. Both depend on your sales, cash flow after fees and returns, time in business, credit profile, existing obligations, and completed documentation. Your advisor will explain the amount, total cost, and timing of any offer you actually receive.
YOUR NEXT MOVE
Find the right capital for your Amazon business.
One application. Every option that fits. A clear path to the money.
Get funded