E-Commerce Financing

E-Commerce financing for Long Beach businesses

Long Beach e-commerce (DTC brands shipping from local 3PLs, Amazon FBA sellers using South Bay fulfillment centers, Shopify storefronts run by remote-first founders living locally) is one of the fastest-growing segments in our portfolio. Funding needs are different from traditional retail or product businesses because the cash conversion cycle and working capital dynamics are different.

Inventory financing is usually the highest-leverage tool: a line that grows with purchase orders, funds the 30-90 day gap between supplier payment and Amazon/Shopify receivable, and revolves as inventory sells through. For brands doing $1M-$10M ARR, inventory finance materially beats both platform financing (Shopify Capital, Amazon Lending) and revenue-based financing on cost. Brands above $10M ARR with profitability and clean books qualify for bank revolving lines at the cheapest pricing of any e-commerce structure.

Earlier-stage brands (sub-$1M ARR, growth-investing through losses, or working capital-constrained) usually have access to platform financing and RBF as the practical options. We're direct about cost: Shopify Capital and Amazon Lending are fast and easy but typically run 30-60% effective APR. RBF runs 20-50% depending on payback period. Both are useful in the right stage, expensive if relied on past it. We help map the brand's stage to the cheapest product it actually qualifies for today.