01
Inventory replenishment
Reorder a product with a demonstrated sales history before a supplier lead time creates an avoidable stockout.
E-commerce funding
E-commerce funding for the gap between online demand and payout.
Online sales can grow faster than supplier lead times, marketplace payouts, and fulfillment capacity, leaving a store to fund the next order before the last order settles.
Where the money goes
E-commerce funding can support the order-to-payout cycle.
The strongest request connects capital to a specific online sales mechanic, such as replenishment, a campaign, or the wait for a platform payout.
02
Purchase orders
Place a larger supplier order when demand is visible but cash is still moving through the sales platform.
03
Digital advertising
Fund a measured campaign with a defined product, channel, and budget rather than treating marketing as an open-ended expense.
04
Fulfillment capacity
Add warehouse labor, packaging, or third-party fulfillment support before order volume strains delivery.
05
Returns and chargeback timing
Keep operating cash available while refunds, returns, and platform adjustments move through their normal cycle.
The working path
How e-commerce funding follows online sales without ignoring payout lag.
01
Trace the online cash cycle
Separate customer orders, platform holds, supplier terms, fulfillment costs, returns, and the payout date that matters to the request.
02
Send the core application
Share the basic business details online, including revenue, time in business, estimated credit score, industry, and amount requested.
03
Let partners assess the channels
Avyron is a commercial financing broker that connects the business with third-party capital partners who may review sales across channels.
04
Choose around margin and timing
If an offer arrives, compare its total repayment and daily or weekly schedule with gross margin, payout timing, ad spend, and returns.
Illustrative only
A transparent look at the calculator model.
For an online store averaging $110,000 in monthly revenue, the following is an illustrative calculation. The revenue-variable remittance model is shown first, then a separate fixed ACH comparison using the same total repayment.
Illustrative only, not an offer of credit.
Assumptions
- Average monthly revenue
- $110,000.00
- Remittance rate
- 8%
- Factor rate
- 1.45
- Term
- 10 months
Calculated figures
- Monthly remittance
- $8,800.00
- Total repayment
- $88,000.00
- Estimated funding
- $60,689.66
- Fixed ACH daily
- $440.00 x 200
- Fixed ACH weekly
- $2,200.00 x 40
Model: monthly remittance equals average monthly revenue multiplied by the remittance rate. Total repayment equals monthly remittance multiplied by the term. Estimated funding equals total repayment divided by the factor rate. One month equals 20 business days and 4 weekly periods. The monthly remittance is a calculation base. Actual remittances are daily or weekly. Fixed ACH is shown separately from a revenue-variable remittance.
What we look at
Context matters more than one line on a file.
Online sales are only useful in context. The partner needs to understand channel mix, payout behavior, margins, inventory movement, and the business’s recurring deposits.
- Minimum credit score of 500
- Minimum six months in business
- Steady recurring deposits from online sales
- Channel concentration, payout timing, margins, returns, and the whole business picture
No approval is guaranteed. The capital partner makes the final decision and any offer is stated in writing with the partner’s underwriting criteria and terms.
E-commerce questions
Questions about e-commerce funding
Direct answers about structure, timing, and what a capital partner may review.
Can financing based on online sales cover an inventory reorder?
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It may be considered when the reorder is tied to established sales and the business can explain supplier timing, margin, payout behavior, and existing obligations. Avyron does not make the approval decision. A third-party capital partner reviews the full file, determines whether the request fits, and states any offer in writing.
Will marketplace payout delays matter in an e-commerce application?
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Yes. The timing of marketplace or payment processor payouts can help a partner understand why revenue and available cash do not arrive together. The review may also include sales by channel, returns, chargebacks, margins, deposits, and current obligations. Payout history helps provide context but does not guarantee an offer.
Can e-commerce funding be used for advertising?
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Advertising can be a possible use when the request has a defined campaign, product, budget, and operating rationale. The partner may assess whether the existing sales pattern can support the repayment alongside inventory and fulfillment costs. Review the written structure carefully because daily or weekly obligations still affect cash available for growth.
What should an online store compare before accepting an offer?
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Compare the amount funded, factor rate, total repayment, remittance or fixed ACH cadence, payment count, and how the obligation interacts with gross margin and payout timing. Also ask which costs or conditions apply. Avyron is a broker, while the third-party capital partner controls the final offer and underwriting.
Fund the next order with the whole payout cycle in view.
Avyron Capital is a commercial financing broker. We connect businesses with a network of third-party capital partners. We are not a bank and not a direct lender. All funding offers are made by our capital partners and are subject to their underwriting and terms.
Request funding