Skip to content
888-494-4881877-495-4979
PIRS Capital

E-Commerce sellers

Working capital for
e-commerce sellers.

Approvals tuned to e-commerce cash cycles: payout lags are expected, not a surprise. Working capital up to $5M for Amazon FBA sellers, Shopify-native DTC brands, and multi-marketplace operators across Walmart, eBay, and Newegg.

Apply for Working CapitalSee if you qualify
  • Up to $5M
  • No hard credit check
  • Same-day decisions
  • All 50 states

Funding e-commerce sellers

How PIRS funds e-commerce sellers.

E-commerce operators run on lagged cash. Amazon disburses biweekly. Stripe and Shopify Payments hold rolling reserves. Walmart, eBay, and Newegg each run their own payout calendars. By the time the money lands, the next inventory window is already open and the ad-spend decision was needed last week.

PIRS underwrites around that lag. Marketplace payouts are baked into how we structure repayment. We don't require you to wait for cash to land before having the capital to buy ahead. Underwriting looks at total revenue across channels, not a single seller account, so a brand selling on Amazon, Shopify, and Walmart at once is funded as one business.

Inventory ahead of the season, ad spend ahead of the sale. We fund the working-capital gap in between.

Common use cases

What e-commerce sellers operators actually use working capital for.

Drawn from real PIRS-funded files across the category.

Amazon FBA inventory & disbursement gaps

Fund Q4 inventory builds and bridge biweekly Amazon FBA disbursement gaps so a stock-out never costs you the buy box.

Shopify & DTC ad-spend leverage

Working capital for Shopify-native brands navigating rolling payment reserves: push ad spend today against revenue 60 days out.

Walmart Marketplace cash cycles

Capital sized to Walmart Marketplace payout schedules so you can scale listings without waiting on the next disbursement.

eBay seller scale-ups

Inventory builds, listing scale-ups, and multi-channel expansion for active eBay sellers.

Newegg & electronics sellers

Working capital tuned to tech and electronics cash cycles for Newegg Marketplace sellers.

Multi-marketplace & new-channel launches

Fund expansion onto a new marketplace or DTC storefront while your existing channels keep paying down.

Why PIRS

Why e-commerce sellers operators choose PIRS.

Underwriting tuned to how your category actually earns, not a generic credit box.

Payout-aware

Biweekly Amazon disbursements and rolling Shopify/Stripe reserves shape repayment. We structure around them, not against them.

Inventory-cycle savvy

Pre-Q4 and pre-launch builds are the single most common use case we fund in e-commerce.

Ad-spend leverage

Bridge the gap between ad spend today and revenue 60 days from now without bleeding margin.

Multi-marketplace

We fund brands operating across Amazon, Shopify, Walmart, eBay, Newegg, and DTC at once: total revenue, not one account.

Questions we hear most

E-Commerce: what operators ask first.

Do you fund Amazon FBA, Shopify, and DTC brands?
Yes. We fund Amazon FBA sellers, Shopify-native DTC brands, multi-marketplace operators, and brands transitioning from one to the other. The underwriting looks at total revenue across channels, not a single seller account.
Which marketplaces do you cover?
Amazon, Shopify, Walmart Marketplace, eBay, and Newegg are the most common, plus Shopify-native and DTC storefronts. If you sell across several at once, we underwrite the combined revenue as one business.
How does PIRS handle marketplace payout delays?
Marketplace payouts (Amazon biweekly, Stripe and Shopify rolling reserves, Walmart and Newegg payout calendars) are baked into how we structure repayment. We do not require you to wait for cash to land before having the capital you need to buy ahead.
Can I use working capital for inventory?
Yes. Pre-Q4 and pre-launch inventory builds are the single most common use case we fund in e-commerce. Most brands time renewals around the same seasonal cycle each year.
Can I use the funds for ad spend instead of inventory?
Yes. There is no restriction on use. Sellers routinely deploy PIRS capital into ad campaigns, influencer activations, and creative production ahead of seasonal revenue. The structure flexes with sales, which lines up with most marketing-driven cash cycles.
How large can the funding go?
Up to $5M, with the actual range driven by your channel mix, revenue, time in business, and intended use. Sub-$500K deals close fastest; larger structures take an extra day or two for verification.

Adjacent verticals

Other industries we fund.

Many operators run businesses that straddle categories. Here are a few we underwrite alongside this one.

Retail

Inventory, expansion, and working capital for storefront retail.

Manufacturing

Raw materials, equipment, and order-fulfillment financing.

Professional Services

Hiring, marketing, and operations capital for service firms.

  • BBB A+ Accredited
  • Trustpilot

Working capital built for e-commerce sellers.

Apply in minutes for a soft offer with no hard credit check. A real person works your e-commerce sellers file from start to finish.

Apply for Working CapitalSee all industries
Customer Service · 888-494-4881Partner Support · 877-495-4979