Funding for e-commerce and online sellers.
Buy inventory and scale ad spend without giving up equity.
Why this industry
Why online sellers come to Harbor
Inventory and ad spend are the two levers of e-commerce growth — both need cash up front and pay back over weeks. VCs want equity. Amazon Lending caps you at their schedule. Harbor funds against your platform deposits so you can buy inventory and scale ads on your own terms, not a marketplace's.
Real example
An Amazon FBA seller used $12,000 to pre-buy Q4 inventory. Repaid out of holiday sales.
Fast capital when it matters
Same-day decisions and 24-hour funding for approved deals — no broker delays.
Payments that match your cash flow
Daily, weekly, or bi-weekly debits sized to a small share of your revenue.
Direct funder, no middleman
Your application stays with us. No commissions, no shopping your file around.
Common uses of funding
What e-commerce owners say
From businesses Harbor has funded.
"Pre-bought Q4 in August at better unit costs. The advance paid for itself before Black Friday."
"Scaled Meta ads from $200 to $800 a day with Harbor's capital. ROAS held."
Industry FAQ
Do Shopify/Stripe deposits qualify?
Yes — any consistent platform deposits we can verify count as revenue.
READY WHEN YOU ARE
Find out in 5 minutes.
A real underwriter — not a bot — reviews your file the same business day.
- 5-minute applicationFive questions. No documents upfront.
- Soft credit pullDoesn't affect your personal score.
- No obligationSee your offer before committing.
Harbor Funded"Applied Tuesday morning. Money was in our account Wednesday."
Diego · Restaurant owner · Florida