The 5 Best eBay Financing Options For Marketplace Sellers

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 For Best eBay Financing

We like that Lendio takes the time and guesswork out of finding the best rates and terms. With a single application, you can be connected with one or more of Lendio’s lending partners.

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.

Lendio Services

Lendio isn’t a direct lender. Instead, it’s a loan aggregator that has 75 lending partners. This means that 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 $200,000

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.

Get Started With Lendio

Fundbox: Best Line Of Credit For eBay Sellers

Fundbox

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 eBay Financing

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.

Fundbox Services

Fundbox offers business 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.

Eligible borrowers can also sign up for Fundbox Plus, which extends terms to 52 weeks, allows you to pay every four weeks, and reduces fees by 20%. This service costs $99/month.

Fundbox Eligibility Requirements

To qualify for a Fundbox line of credit, you must meet these minimum requirements:

US-based business
Minimum personal credit score of 600
Active business checking account
Time in business of at least six months
Annual revenue of at least $100,000

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 eBay Financing

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 as quickly as the next business day.

eBay Seller Capital also has a wide assortment of financing options that give sellers up to $500,000 with repayment terms of up to five years.

eBay Seller Capital Services

eBay Seller Capital works with multiple lenders to provide funding, including:

Business loans up to $500,000
Lines of credit up to $150,000
Short-term working capital loans up to $150,000

eBay Seller Capital Rates & Fees

Since eBay Seller Capital utilizes multiple lenders, rates, and fees vary.

eBay Seller Capital Eligibility Requirements

Since eBay Seller Capital uses the LendingPoint Platform and connects businesses with multiple lenders, eligibility requirements vary. No specific requirements are disclosed to qualify for lending through eBay Seller Capital.

LoanBuilder: Best Loans For New eBay Sellers

LoanBuilder

Get Started With LoanBuilder

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

Why We Chose LoanBuilder For Best eBay Financing

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 $500,000 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.

LoanBuilder Services

LoanBuilder provides short-term business loans from $5,000 to $500,000.

LoanBuilder Rates & Fees

LoanBuilder charges a one-time fee of 2.9% to 18.72%. Repayment terms are 13 to 52 weeks.

LoanBuilder Eligibility Requirements

To qualify for a LoanBuilder small business loan, you must meet these minimum requirements:

Minimum personal credit score of 620
Annual revenue of $42,000
In business for at least nine months

Bluevine: Best For Fast Funding For eBay Sellers

Bluevine

Get Started With Bluevine

Pros

The application process is fast & easy
Funds are disbursed quickly

Cons

Rates can be expensive
Repayments are required quickly

Why We Chose Bluevine For Best eBay Financing

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 and may see the funds in your bank account in just a few hours.

Bluevine Services

Bluevine provides business lines of credit up to $250,000.

Bluevine Rates & Fees

Bluevine does not disclose its rates and fees, only stating that its rates are competitive.

Bluevine Eligibility Requirements

To qualify for a Bluevine line of credit, you must meet these requirements:

Minimum personal credit score of 625
Time in business of at least two years
Annual revenue of $40,000
Have a business that is operating or incorporated in any US state other than North Dakota, South Dakota, or Nevada

Methodology: How We Chose Our Top Picks

When determining the top business lenders, Merchant Maverick looks at several factors including interest rates, term lengths, fees, borrower requirements, and customer reviews.

For this list, we’ve narrowed down the options available to eBay sellers and have identified the lenders that are the best fit based on the data we’ve collected. We encourage you to compare small business lenders to find the best product for your business and to use this list as a starting point.

Maybe you were looking for these options. Here are some funding choices we don’t recommend and why.

OnDeck

OnDeck is a great option for small business term loans and lines of credit that are funded quickly. Unfortunately, OnDeck’s services aren’t available to businesses in certain industries, including electronic auctions like eBay.

Kabbage

Kabbage once made our lists for its easy-to-obtain lines of credit. However, since our last update, Kabbage is now American Express Business Blueprint. The name isn’t the only thing that has changed. Now, these lines of credit require a credit score of at least 640 and a time in business of at least 12 months.

While these requirements aren’t as strict as what you would find with banks, the fee structure is both complicated and expensive. Businesses with fair to good credit scores may be able to find more affordable funding elsewhere.

Behalf

Behalf previously made our list for offering lines of credit that could be used to pay vendors. However, Behalf has not updated its social media, does not have a working website, and does not appear to be in business at this time.

StreetShares

StreetShares is a lender that previously made this best-of list. Unfortunately, StreetShares no longer originates small business loans.

Payability

Payability used to make our list for offering small business financing to eCommerce and online marketplace sellers. As of this writing, it appears that Payability no longer supports eBay sellers and only provides services to sellers on Amazon, Newegg, and Walmart.

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.

eBay Financing FAQs

What is eBay financing?

eBay financing consists of loans, lines of credit, and other funding available for eBay sellers. These funds can be used to purchase inventory, cover shipping expenses, for day-to-day operations, or other purposes.

Does eBay have financing options for sellers?

eBay has parnered with LendingPoint to form eBay Seller Capital. Through this lending program, eBay sellers can be matched with multiple lenders for short-term loans, business loans, and lines of credit.

Can eBay sellers get business loans?

It is possible for eBay sellers to get business loans, although they may not have as many options as traditional business owners. eBay sellers may be eligible to receive small business loans, lines of credit, merchant cash advances or other products based on creditworthiness, revenue, time in business, and other factors.

In Summary: Best eBay Financing Options For Sellers

Lendio:
- Term loans, short-term loans, LOCs, MCAs
- FICO: No minimum
- APR: Varies by lender
Fundbox:
- Business lines of credit
- FICO: 600+
- APR: Starts at 4.66%
eBay Seller Capital:
- Installment loans, LOCs, short-term working capital loans
- FICO: No minimum
- APR: Varies by lender
LoanBuilder:
- Short-term business loans
- FICO: 620+
- Fees: 2.9%+ of borrowing amount
Bluevine:
- Business lines of credit
- FICO: 625+
- APR: Undisclosed

Bio
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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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Sources

Lendio | Homepage (Accessed 05/08/2023) — Lendio
Fundbox | Homepage (Accessed 05/08/2023) — Fundbox
eBay Seller Capital (Accessed 05/08/2023) — eBay
LoanBuilder | Homepage (Accessed 05/08/2023) — LoanBuilder
Bluevine | Homepage (Accessed 05/08/2023) — Bluevine

Hide Sources

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

❮ ❯

Installment loans, LOCs, short-term working capital loans
FICO: No minimum
APR: Varies by lender

4. LoanBuilder

❮ ❯

Short-term business loans
FICO: 620+
Fees: 2.9%+ of borrowing amount

5. Bluevine

❮ ❯

Business lines of credit
FICO: 625+
APR: Undisclosed