Business loans for e-commerce
Your supplier wants 30-day payment. Your customer wants 30-day delivery. Your bank account is in the middle.
Finance for Australian e-commerce businesses carrying inventory, platform costs, and working capital across purchase cycles that never quite align with payment terms.
Apply now
2 minutes · Soft check only · Free
Overview
Why e-commerce businesses choose Avoir
E-commerce cash flow has a structural problem that no amount of revenue growth solves on its own: you pay your supplier before you sell the stock, your payment platform holds funds for 2–7 days after a sale, your returns window runs 30 days, and your next purchase order needs to go in before the last one has cleared. Add Google and Meta ad spend that needs to run continuously to maintain traffic, fulfilment costs that scale with revenue but have to be funded ahead of it, and the inventory capital required to chase a seasonal spike — and you have a business that is permanently cash-flow negative relative to its revenue. Avoir connects Australian e-commerce businesses to lenders who understand inventory cycles and platform-based revenue.
Most business lenders don't know what a purchase order looks like, what a Stripe payout delay means for working capital, or why a successful Q4 actually requires more capital in September than it generates in December. E-commerce has a specific cash flow profile — and it requires lenders who understand it. Lenders in Avoir's network assess e-commerce businesses on their revenue trajectory, order volume, and trading patterns across platforms — not just bank statement deposits. Whether you're funding an inventory build ahead of a peak period, bridging a cash flow gap between supplier payment and customer sale, or investing in marketing to scale a proven product, a specialist will review your situation.
Key features
Inventory purchase
Fund your next stock order before revenue from the previous one arrives — the core cash flow challenge of e-commerce.
Marketing and growth
Scale paid advertising, invest in influencer campaigns, or fund a product launch without using operating cash.
Seasonal peak preparation
Stock up before Christmas, EOFY, or major sale events without running down your working capital.
Platform-agnostic
Shopify, WooCommerce, Amazon, eBay, Etsy — all platforms accepted. Revenue is revenue regardless of where you sell.
Eligibility
Am I eligible to apply?
E-commerce businesses with 12+ months of trading history and consistent platform revenue are typically eligible to apply. Shopify, WooCommerce, Amazon, eBay, and marketplace-based businesses are all accommodated. A specialist will advise on available options.
Meeting these criteria makes a business eligible to apply; it does not mean an application will be approved. *Subject to lender credit criteria.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. Only a soft credit check, and no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can an online-only business get a business loan?
Yes. E-commerce businesses with no physical shopfront are fully eligible. Lenders assess your cash flow from bank statements — your physical presence is irrelevant.
Do I need inventory as collateral?
No. Unsecured business loans do not require inventory or any other assets as collateral.
Can I use a loan to buy stock on Amazon FBA?
Yes. Inventory finance for Amazon FBA, Shopify, and other platforms is a common use case in our network.
How is my revenue assessed without a physical store?
Lenders use your business bank statements to assess revenue. E-commerce revenue deposited from Stripe, PayPal, Shopify Payments, or Amazon is all accepted.
What is the minimum trading period for an e-commerce business?
Avoir works with businesses trading 12 months or more. Individual lender minimums vary and are set by the lender, not by us.
Can a sole trader e-commerce business apply?
Yes. Sole traders with an ABN and consistent online revenue are eligible to apply.
Ready to apply?
Don't miss a peak period because the inventory capital isn't there.
Two minutes to apply. Soft credit check only. A specialist will be in touch within two hours.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION