Purchase or expense
Use a quote or a clearly marked estimate to work out the amount you are requesting.
Business financing referrals · Online retail businesses
Business funding for the operation behind your online orders.
Online sales still require stock, packing and shipping before marketplace payouts arrive. Describe the purchase or operating gap your business funding request would cover.
Online retail businesses · funding preparation
Begin with the business numbers
Gross online sales are different from the payout after fees, refunds and reserves. Use the receipts available to the business when reviewing any financing repayment schedule.
Preparing a request
From your business plan to an enquiry
Application questions
Provide industry, trading history, revenue and approximate personal credit information in the relevant fields.
Before sending
Check the contact information and disclosures, complete number verification and confirm the submission.
Purchase examples
Common spending needs in this industry
Inventory
A supplier deposit and final balance may be due before stock becomes available online. Include freight and distinguish replenishment from an untested product launch.
Fulfillment equipment
Packing benches, label printers and storage systems can support order handling. Price the equipment and setup for the order volume the business actually expects.
Business overhead and running costs
Platform fees, shipping and returns can affect the cash received from a sale. Define the period covered and use the relevant payout schedule to explain the gap.
Assess the repayment commitment
Make room for repayments in your plan
Quoted amount
Ask whether any fees would be taken out before the funds reach your account.
Total payable
Review the combined repayment obligation rather than judging the offer by one payment.
Conditions attached
Read the requirements for security, reporting and any permitted uses of funds.
Helpful application information
What to know about referrals
How are providers connected to my request?
Up to five funding partners may receive an application through a paid referral from us. We sell the application and contact information, receive compensation without a funding requirement, and do not collect an application fee from you.
What affects available options?
Approval cannot be assumed from a successful form submission. Any offer depends on the funding partner’s assessment and the conditions attached to its product.
What can affect the next step?
An equipment delivery date and a financing date may not line up. Ask the provider to confirm its timetable before making a commitment that relies on receiving funds.
What should I read before sharing my number?
Partner contact and information sharing are described in the form and linked policies. Read those details before verifying the number and submitting your business information.
Move from planning to a request
Share the purpose behind your funding request
Begin with the purchase or operating period you need funds to cover, then complete the business questions.