Ecommerce business funding
that scales with the cart.

Ecommerce is a working capital business pretending to be a margin business. The store sells a $90 product, pays $35 in cost of goods, $18 in customer acquisition, $7 in fulfillment, $4 in payment processing fees, and clears something like $26 in contribution margin. The math looks beautiful until you realize that the $35 cost of goods was paid 90 days ago, the $18 in ad spend was charged yesterday, the $90 in revenue clears Thursday, and you need another inventory deposit to a manufacturer this week to keep the next 90-day cycle moving. Ecommerce growth is bottlenecked by working capital before it is bottlenecked by anything else.

Banks don't fund ecommerce. The collateral profile doesn't match what a bank looks for — inventory sits in third-party warehouses, customer relationships exist on marketplaces the brand doesn't own, the underlying entity often has minimal physical assets. SBA loans can fund larger DTC brands but the 60-to-120-day closing cycle misses every meaningful inventory buying window. Equity capital is expensive, dilutive, and unnecessary for most operators who simply need working capital to compress the gap between inventory outlay and customer payment. Goliath was built explicitly for this cash cycle — we underwrite from gateway and marketplace deposit volume, fund inside a day, and structure repayment to align with daily card clearing or marketplace settlement cadence.

What we fund inside an ecommerce business

Inventory buys including overseas manufacturer deposits, container freight, freight-forwarder fees, customs and duty payments, FBA inbound prep, 3PL receiving fees, and warehouse storage commitments. Paid acquisition spend across Meta, Google, TikTok, Pinterest, Snapchat, programmatic, affiliate, and email-list rental. Influencer and creator partnerships including upfront payments, product seeding costs, and content production. Subscription technology stack expansion including Shopify Plus migration, headless storefront builds, post-purchase upsell platforms, customer data platforms, and email-and-SMS automation infrastructure. Cross-border expansion: international fulfillment, localized payment gateway integration, multi-currency operations, and country-specific compliance. Product development and tooling for private-label brands. Acquisition of competing brands or complementary assets. Buyouts of cofounders or angel investors taking equity exits. Working capital bridges through chargeback waves or processor reserves.

What we don't ask for and never touch

We don't request Shopify API access, Amazon Seller Central credentials, marketplace login access, or any direct integration with your operating systems. We don't pull customer order data, customer PII, or anything that creates GDPR or CCPA exposure for the brand. We don't pull hard credit during pre-qualification. We don't request tax returns or P&L statements. We don't notify your manufacturers, your 3PL, or your marketplace account managers. We underwrite from gateway deposits, marketplace settlements, and operating bank statements — the variables that actually predict repayment in a digital-first business.

An ecommerce operator's bank account has a signature unlike any brick-and-mortar business. Gateway deposits arrive every 1 to 7 days depending on processor — Stripe and Shopify Payments on daily or 2-day, PayPal on 3-day, Amazon and Walmart on 14-day settlement. The total volume can swing 5x between a slow week and a launch week. Refunds and chargebacks pull money back out at irregular intervals. Manufacturer wires and 3PL invoices hit in larger irregular outflows tied to inventory cycles. Ad platforms charge daily or weekly depending on threshold structure. Generic underwriting models read this as chaos; our models read it as a working ecommerce business and price accordingly.

The strongest ecommerce files share a few signatures: a recurring set of gateway and marketplace deposits with a recognizable weekly cadence, ad spend outflows that scale with revenue rather than running ahead of it, manufacturer payment patterns that show ongoing supplier relationships, low NSF activity, and a net deposit floor that holds even during slow product cycles. We can fund through messier files — operators in active processor reserve, operators with a chargeback wave in the past quarter, operators carrying a smaller prior advance — but cleaner files always price more aggressively.

Ecommerce segments we fund every week

Shopify and Shopify Plus DTC brands across apparel, beauty, home, supplements, accessories, and consumer electronics. Amazon FBA private-label sellers and retail-arbitrage operators at scale. Walmart Marketplace sellers and Amazon-to-Walmart expansion brands. Subscription-box operators including beauty, food, fitness, and curated specialty. WooCommerce and BigCommerce specialty merchants. Headless commerce operators using Next.js Commerce and similar architectures. Multi-channel operators running across two or more marketplaces. Drop-ship and print-on-demand operators with established suppliers. DTC brands with omnichannel expansion into physical retail or wholesale. Cross-border operators selling US-to-Canada, US-to-EU, or US-to-Australia. Ecommerce-adjacent businesses including 3PL operators, fulfillment specialists, and ecommerce agencies.

Common ecommerce funding scenarios

A DTC brand needs to wire $250K to a manufacturer in Vietnam to lock allocation for Q4 SKUs, but the cash is tied up in the next 14 days of Shopify and Amazon clearing. We fund the manufacturer wire and the position retires across the post-holiday sell-through. A Meta campaign hits a winning creative and scaling from $3K/day to $15K/day would generate 4x ROAS, but the credit card cap and bank balance won't support the spike. We fund the ad spend bridge and the operator scales without the cash bottleneck. An Amazon seller wants to build 90 days of safety stock ahead of a competitor launch and needs $400K of inventory paid upfront for container manifest. We fund the inventory and the position retires across the Q4 selling season. A cofounder wants out and an $800K buyout would consolidate equity. We fund the buyout against operating cash flow without requiring an equity round.

The shape stays consistent: capital that compresses the gap between cash outflow and customer payment, sized to specific cycles, structured to retire as the underlying revenue clears. Ecommerce businesses that scale into multi-million-dollar brands are the ones whose working capital infrastructure runs faster than their growth rate.