5 Best eBay Financing Options For Marketplace Sellers

Total Rating	4.8
Rates & Fees5.0 Pricing 5.0 Affordability 5.0
Services5.0
Eligibility Requirements4.9
Application4.5
Sales & Advertising Transparency4.4 Sales Practices 4.0 Web Presence 5.0
Customer Service4.9
User Reviews4.9

Pros

Multiple types of financing available
High borrowing amounts
Long-term financing options available
Applicants can be quickly prequalified

Cons

Rates can be expensive
Funds can take a while to disburse

Why We Chose Lendio As The Best Loan Marketplace For eBay Sellers

If you're unsure of which type of funding is best for your business (or don't know what you'd qualify for), Lendio takes the time and guesswork out of finding the best products, rates, and terms. With a single application, you can be connected with one or more of Lendio's 75+ lending partners to easily compare your options.

Through Lendio, you can apply for term loans, lines of credit, business credit cards, merchant cash advances, and other financial products to fund your eBay business. Lendio even has partners that work with new businesses, borrowers with credit challenges, and businesses like eBay sellers that may have difficulty finding funding elsewhere. These relaxed requirements, combined with high borrowing amounts, an easy application process, and great customer service that contributed to our near-perfect 4.8/5 overall rating for Lendio.

Lendio Services

Lendio is a loan aggregator that has 75 lending partners. With just one application, you’ll receive multiple offers that you can compare to ensure you’re getting the lowest rates and best terms for products like:

Short-term loans up to $500,000
Term loans up to $2 million
Lines of credit up to $500,000
Merchant cash advances up to $1 million

Lendio Rates & Fees

Because it works with lending partners, the rates and terms you’ll find through Lendio vary significantly. Lendio offers long-term, low-interest options for well-qualified borrowers, as well as products like MCAs with higher fees and shorter repayment terms for credit-challenged borrowers.

Lendio Eligibility Requirements

Eligibility requirements vary by lending partner. However, Lendio does recommend that applicants have a personal credit score of at least 550. Higher credit scores, time in business, and revenues will help you qualify for more offers with better rates and repayment terms.

Choose Lendio If...

You want to explore different types of loans
You don’t meet credit, time in business, or revenue requirements of other lenders
You want to easily compare multiple offers with a single application

Get Started With Lendio

Fundbox: Best Lines Of Credit For eBay Sellers

Fundbox

Total Rating	3.8
Rates & Fees3.1 Pricing 2.3 Affordability 3.8
Services3.6
Eligibility Requirements4.5
Application4.8
Sales & Advertising Transparency3.8 Sales Practices 4.0 Web Presence 3.5
Customer Service3.0
User Reviews4.4

Pros

The application process is fast & easy
Low credit score requirements
Excellent customer support

Cons

Rates can be expensive
Repayments are required frequently

Why We Chose Fundbox For Best Line Of Credit For eBay Sellers

Fundbox received a 3.8/5 rating during our comprehensive review, and it's easy to see why. We like that Fundbox has low borrowing requirements for its lines of credit, opening this funding up to borrowers with credit challenges and new businesses.

We also like that Fundbox offers fast funding. You can get approved in just minutes and receive funds in your account the next business day. Add in excellent customer support and a fast and easy application process, and it's easy to see why Fundbox made our list as a good source of funding for eBay sellers.

Fundbox Services

Fundbox provides revolving lines of credit up to $150,000.

Fundbox Rates & Fees

Fundbox lines of credit are repaid over 12 or 24 weeks. Borrowing fees start at 4.66% for 12-week terms and 8.99% for 24-week terms. Payments are made weekly.

Fundbox also offers advertises Fundbox Plus, a service that offers reduced fees, longer payment terms, and other benefits. Fundbox states on its website that more information on this service will be available soon.

Fundbox Eligibility Requirements

To qualify for a Fundbox line of credit, you must have:

US-based business
Personal credit score of 600+
Active business checking account
6+ months in business
Annual revenue of $100,000+

Choose Fundbox If...

You want a flexible line of credit to cover your seller expenses
You need fast funding

Get Started With Fundbox

Get Started With eBay Seller Capital

eBay Seller Capital: Best Long-Term Financing For eBay Sellers

eBay Seller Capital	Visit Site

Pros

No hard credit check performed during application process
The application process is fast & easy
Funds are disbursed quickly

Cons

Nontransparent rates & fees

Why We Chose eBay Seller Capital For Best Long-Term Loans

We like that eBay, in partnership with LendingPoint, offers an in-house financing solution tailored specifically to eBay sellers. The application process is fast and easy, and funding is just as quick, with some loans being funded within two business days.

Borrower qualifications are lower than banks and traditional lenders, making it easy for more eBay sellers to get approved. eBay Seller Capital also has fairly high borrowing limits and long repayment terms.

eBay Seller Capital Services

Through eBay’s partnership with LendingPoint, borrowers may qualify for term loans from $25,000 to $500,000.

eBay Seller Capital Rates & Fees

Unfortunately, eBay Seller Capital does not disclose rates but does note that borrowers are charged fixed periodic interest. A 5.99% origination fee is also charged.

eBay Seller Capital Eligibility Requirements

To qualify for eBay Seller Capital, you must meet these requirements:

Personal credit score of 620+
Annual revenue of $50,000+
Time in business of at least 2 years
No bankruptcies within the last 7 years

Choose eBay Seller Capital If...

You want a long-term financing option with repayment terms up to 7 years
You need a term loan up to $500K with fixed monthly payments

LoanBuilder: Best Loans For New eBay Sellers

LoanBuilder

Get Started With LoanBuilder

Total Rating	3.5
Rates & Fees4.1 Pricing 4.4 Affordability 3.8
Services2.9
Eligibility Requirements3.4
Application3.8
Sales & Advertising Transparency3.8 Sales Practices 4.0 Web Presence 3.5
Customer Service2.8
User Reviews4.1

Pros

Borrower qualifications are lower than what banks offer
No extra fees
The application process is fast & easy
Funds get disbursed quickly

Cons

No discounts for repaying early
No long-term financing options available
A blanket lien is required
Nontransparent rates & fees

Why We Chose LoanBuilder For Best Loans For New eBay Sellers

Newer eBay sellers looking for a more traditional loan option may find what they need with LoanBuilder. This lender provides short-term loans up to $150,000 to borrowers that have been in business for as little as nine months.

In addition to relaxed borrower requirements, LoanBuilder charges a single fixed fee with no additional hidden fees or charges. The application process is quick and easy, and funds may be available as quickly as the next business day following loan approval. While not a great fit for every business, this 3.5/5-star lender is a solid choice for eBay sellers.

LoanBuilder Services

LoanBuilder offers short-term business loans from $5,000 to $150,000. One thing worth noting is that new borrowers will only be eligible to borrow up to $100,000. Loans are repaid weekly over a term of 13 to 52 weeks.

LoanBuilder Rates & Fees

LoanBuilder no longer advertises its rates and fees. However, in the past, advertised rates were a one-time fee of 2.9% to 18.72% of the borrowing amount.

LoanBuilder Eligibility Requirements

To qualify for a LoanBuilder short-term loan, you must meet these minimum requirements:

At least 9 months in business
Annual revenue of $33,000+

LoanBuilder previously required borrowers to have a credit score of at least 620. However, minimum credit score requirements are no longer advertised.

Choose LoanBuilder If...

You want a short-term loan that’s easy to qualify for and funded quickly
You’ve only been in business for 9 months

Bluevine: Best Fast Loans For eBay Sellers

Bluevine

Get Started With Bluevine

Total Rating	3.6
Rates & Fees3.5 Pricing 3.1 Affordability 3.8
Services3.6
Eligibility Requirements3.3
Application4.5
Sales & Advertising Transparency3.4 Sales Practices 4.0 Web Presence 2.5
Customer Service3.4
User Reviews3.4

Pros

The application process is fast & easy
Funds are disbursed quickly
Low credit score requirements

Cons

Rates can be expensive
Repayments are required quickly
Revenue requirements may be difficult for some businesses to meet

Why We Chose Bluevine For Fast Loans For eBay Sellers

We like Bluevine's flexible, revolving lines of credit that allow you to withdraw funds as needed. But what we most like is the speed at which you can receive funds.

Eligible borrowers can be approved for a line of credit in as little as five minutes. Once approved, you can make your first draw can receive funds in your bank account the next day. Or if you sign up for a free Bluevine business checking account, funds can hit your account instantly.

Bluevine Services

Bluevine offers revolving lines of credit up to $250,000 with repayment terms of six months or 12 months.

Term loans up to $250,000 with repayment terms up to 24 months are also available through Bluevine’s lending partners.

Bluevine Rates & Fees

Bluevine’s rates and fees are as follows:

6-month terms: 0.3%-1.5% per week
12-month terms: 1.5%-6.5% per month

A draw fee of 1.6% to 2.5% is charged for each draw you make on your line of credit.

Bluevine Eligibility Requirements

Borrowing requirements for a Bluevine line of credit are:

Must own a corporation or LLC
Personal credit score of 625+
Time in business of 2+ years
No bankruptcies within the last year
Minimum revenue of $40,000/month

Choose Bluevine If...

You want a flexible revolving line of credit to draw from as needed
You want fast loan approval
You need funds the next business day (or instantly if you’re a Bluevine checking customer)

Business Loan & Funding Products Review Methodology

We spend hours researching and evaluating each business loan and funding product that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.

When rating lenders and funding providers, we use a 31-point rubric that looks at rates and fees, services, eligibility requirements, application, sales and advertising transparency, customer service, and user reviews. We weigh each section differently to calculate the total star rating. This rubric is applied to traditional term loans, as well as short-term loans, start-up loans, lines of credit, online lending products, merchant cash advances, and equipment financing products.

Rates & Fees: 20% of the total star rating
Services: 20% of the total star rating
Eligibility Requirements: 20% of the total star rating
Application: 15% of the total star rating
Sales & Advertising Transparency: 10% of the total star rating
Customer Support: 5% of the total star rating
User Reviews: 5% of the total star rating

Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like terms lengths, conditions of repayment, credit score and revenue requirements, ease of application, length of time to funding, the ethics involved in promoting the lending product, customer support, and the overall reputation of the lender or funding provider.

Read more about how we rate small business lenders.

About Defunct eBay Partnerships: PayPal Working Capital & Square Capital

eBay’s lending partnership with LendingPoint replaces earlier loan partnerships with PayPal and Square.

eBay had a partnership with PayPal Working Capital through which borrowers could have payments automatically deducted from their sellers’ accounts. This partnership ended around the time eBay’s long-standing operating agreement with PayPal ended.

eBay had also partnered with Square Capital to offer loans up to $100,000. That partnership went quiet some time in 2019, and eBay no longer makes mention of the relationship.

Which eBay Financing Option Is Right For You?

It’s difficult for traditionally-structured companies to secure business funding at all these days, much less eBay ventures. Fortunately, eBay and other marketplace sellers now have a number of options available to fund their online businesses.

Before you commit to eBay financing, make sure to do your research to find the best small business loan for your situation. Compare rates and terms, know the types of financing available to you, and determine if your business can afford to take out a loan or other funding.

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Erica Seppala

Editor & Senior Staff Writer at Merchant Maverick

Erica began writing on small business topics in 2008. She joined Merchant Maverick in 2018 and focuses on loans, accounting, and POS. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll. She has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a graduate of Limestone University and resides in Greenville, South Carolina.

View Erica Seppala's professional experience on LinkedIn.

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1. Lendio

❮ ❯

Term loans, short-term loans, LOCs, MCAs
FICO: No minimum
APR: Varies by lender

2. Fundbox

❮ ❯

Business lines of credit
FICO: 600+
APR: Starts at 4.66%

3. eBay Seller Capital

❮ ❯

Term loans
FICO: 620+
APR: Undisclosed

4. LoanBuilder

❮ ❯

Short-term business loans
FICO: Undisclosed
Fees: Undisclosed

5. Bluevine

❮ ❯

Business lines of credit
FICO: 625+
APR: 15%-78%