Financing for e-commerce brands
An e-commerce brand pays its supplier at production, ships by container, and sells through over months — the cash conversion cycle is the whole problem. Voxen Capital structures inventory financing from $50,000 to $2,000,000 secured on the stock itself, including stock at a 3PL or fulfilment centre, and business lines of credit from $10,000 to $1,000,000 for the spending an invoice can't secure: advertising, software, and operations.
Start an applicationPaid at production, collected at sell-through
The model front-loads every cost: production deposits, balance on shipment, freight, duties — all paid before the first unit sells. A growing brand's cash is permanently six months ahead of its revenue.
Inventory financing matches that cycle: the facility funds the buy, the stock secures it, and repayment follows sell-through. Stock at a third-party warehouse qualifies once the warehouse acknowledges the lender's charge — an extra step, not an obstacle.
Ad spend and operations don't create an asset a lender can hold, which is what the line of credit is for: revolving capital drawn when the ROAS math says scale, repaid as the season converts.
E-commerce segments we structure financing for
- DTC brands on Shopify and similar platforms
- Marketplace sellers with platform sales history
- Subscription and replenishment brands
- Importers selling through online channels
- Hybrid retail + online operations
- Brands scaling into US and international markets
How e-commerce financing works at Voxen
- Send sales reports and the inventory picture — Platform sales reports serve as your POS data; a cost-value inventory listing with supplier invoices sets the facility. Six months of bank statements complete the file.
- Offer within 24 hours — Most files receive a structured offer within 24 hours of a complete submission.
- Warehouse acknowledgment arranged — For stock at a 3PL, the lender's charge is registered and acknowledged by the warehouse — we handle the coordination as part of setup.
- Facility revolves with sell-through — Repayment follows sales; the facility redraws for the next production run on 3 to 12 month revolving terms.
The products e-commerce brands use
Inventory financing carries the production cycle; the line of credit carries the growth spending around it. Brands with a season or two of sell-through data are the profile the products were built for.
| Inventory Financing | $50K–$2M · Days, once reporting is in hand |
|---|---|
| Business Line of Credit | $10K–$1M · 3–7 business days |
Frequently asked questions
My stock sits at a 3PL. Does it still qualify?
Yes — stock in third-party warehouses and fulfilment centres is financed routinely. The lender registers its charge and the warehouse acknowledges it; that coordination is part of facility setup, not your problem to solve.
I'm pre-launch with no sales history. Can I get inventory financing?
Launch inventory with no sell-through data is the hard case — a facility follows evidence the stock converts. A brand with a season or two of platform sales history is the strong profile. Pre-launch, a smaller working-capital instrument is usually the honest starting point.
Can I fund ad spend with inventory financing?
No — the facility funds stock, which is what secures it. Ad spend and operations are what the line of credit is for; running both keeps each instrument doing what it prices best.
What does the facility cost?
Quoted per file, on the drawn balance, based on the stock's quality and turn. Standard resellable goods with clean supplier invoices price best. Asking costs nothing and has no credit impact.