Funding for e-commerce, built around your cash flow.
Shim Capital gets online sellers and e-commerce brands $25,000 to $5,000,000 in working capital — fast, flexible, and structured around how your business actually earns. Use it for inventory, ad spend and scaling before the cash lands.
See What You Qualify For →Every kind of capital, one quick application
Most lenders push one product. We structure across the whole market and match online sellers and e-commerce brands to what actually fits — then move fast.
Ready to fund your e-commerce business?
Apply in 2 minutes · Approvals in as little as 24 hours · No collateral · All credit welcome
Get My Funding →E-commerce funding by state
We fund online sellers and e-commerce brands nationwide. Find your state:
Frequently asked questions
How much funding can a e-commerce business get?
Shim Capital arranges $25,000 to $5,000,000 for online sellers and e-commerce brands, sized to your monthly revenue and cash flow — most offers land between 50% and 150% of a typical month's deposits.
How fast is approval?
Approvals come in as little as 24 hours, and funds can reach your account the same day once your last 3–4 months of business bank statements are in.
Do I need good credit or collateral?
No collateral required, and all credit is welcome. We underwrite primarily on your business's revenue and deposit history — not just a FICO score.