eBay Seller Capital financing can be used to help your business in a variety of ways, such as buying new inventory, investing in marketing initiatives, renting a retail space, or hiring staff.
How it works
eBay works with financing partners iBusiness Funding and Liberis to provide eligible eBay sellers with financing. Through the eBay Seller Capital program, these providers, not eBay, can provide you with financing.
A number of financing options may be available to you, including term loans, Business Cash Advances and Flexible Cash Advances. If your application is approved, financing up to $10 million may be available to you. The amount you're offered will depend on your business performance, business tenure and sales history. If your application is successful, the funds will be deposited into your business bank account.
Applying for funding
If you're pre-approved for financing by any of our finance partners, you may receive a personalized offer to apply for funding. You may receive an email or be able to view your personalized offers on the eBay Seller Capital page on Seller Hub. You can also check your eligibility for the available financing products on the eBay Seller Capital - opens in new window or tab information page.
As part of your application, you'll be asked to verify your identity, and provide personal and/or business information. You'll also need to confirm the bank account where you would like to receive your loan or cash advance payments, if approved. Depending on the provider, you may be asked to provide bank statements or tax returns to verify your income.
Tip
If you have any questions about the details of your financing, or if you need to change any of your information, contact your provider directly. To contact iBusiness Funding, email info@iBusinessFunding.com or call +1 (855) 218-8023. To contact Liberis, email info-us@liberis.com or call +1 (470) 582-1130.
Term loans
A term loan is a lump sum of money that you receive through eBay Seller Capital partners in return for a fixed borrowing cost.
There are several reasons why you might choose a term loan, including:
- You'll generally have a longer time to pay back the loan, resulting in smaller repayments each time
- Interest rates tend to be lower than for short-term business loans
- Fixed repayments on a fixed schedule make it easier for you to plan and budget
- The interest on a term loan may be tax deductible and making repayments on time can boost your business credit score
- You won't need to hand over business equity in exchange for capital. Our lending partners will have no control over your business
Business Cash Advances
A Business Cash Advance is an advance on your sales. If approved, you'll have access to a lump sum of capital upfront. This is not a loan — the cost comes in the form of a fixed fee, not interest. Also, unlike a term loan that has fixed monthly payments, a Business Cash Advance is paid on a pre-agreed percentage of your gross sales.
There are several reasons why you might choose a Business Cash Advance, including:
- The fast application process means approval and funding can take less than 24 hours in most cases
- Payments are calculated as a percentage of your daily gross eBay sales. Your gross daily sales includes any taxes, shipping costs and any other fees associated with your orders. This generally makes Business Cash Advances accessible to startups and young businesses
- If your business doesn't generate any sales, you'll have no payments to make
Tip
For FAQs and more information about how this program works, take a look at our eBay Seller Capital - opens in new window or tab website.
Flexible Cash Advances
A Flexible Cash Advance gives you access to an account that contains your available capital. This is the maximum amount of money you can access at any one time.
When you'd like a new advance, simply go to your account dashboard and request one. Your available capital will refresh as payments are made towards any outstanding balance.
There are several reasons you might choose a Flexible Cash Advance, including:
- It's free to set up your account with available capital, and there's no commitment to use it
- You only pay a fee when you request a new advance. The fee is a set price that doesn't increase over time
- It's powered by your daily eBay gross sales. You don't pay for the total available capital, only for each new advance you take from it
Like the Business Cash Advance, each advance under the Flexible Cash Advance program is an advance on your sales, not a loan. The cost comes in the form of a fixed fee, not interest, and payments are calculated as a percentage of your daily gross sales on eBay. Your gross daily sales includes any taxes, shipping costs and any other fees associated with your orders. Your available capital is usually accessible for 12 months from the date your Flexible Cash Advance account started.
Payments and repayments
Your loan repayments or cash advance payments, including when they will need to be made, depend on the type of financing you receive. The full details can be found in your financing agreement.
Term loans
If approved, the term loan amount will be deposited into your business bank account, and then you'll pay back a fixed repayment amount at a regular cadence (usually monthly) until the total payment amount is repaid.
Business Cash Advance and Flexible Cash Advance payments
If you receive a Business Cash Advance or Flexible Cash Advance, a fixed percentage of your daily gross sales on eBay will be paid out, instead of fixed monthly payments. Your gross daily sales include taxes, shipping costs and any other fees associated with your orders.
Whenever you sell an item, payments from each completed order are credited to your available funds.
We calculate the daily payment for the Business Cash Advance using the payment percentage we received from the financier. We'll then deduct payments from your available funds each day before sending payouts. Don't worry – we'll never deduct more than what you have available, regardless of your calculated payment amount.
Your payment is then automatically transferred to the financing partner from a Limited Use Stored Value Account - opens in new window or tab. It usually takes less than 2 business days to complete this transfer.
Example of Business Cash Advance or Flexible Cash Advance payments
See the table below for an example of Business Cash Advance or Flexible Cash Advance payments. The example shown is for a seller with an active Business Cash Advance of $20,000 and based on a daily payment percentage of 20%.
|
Day |
Daily gross sales |
Payment amount |
Outstanding financing balance |
| 1 | $5000 | $1000 (20% of $5000) | $19,000 ($20,000 - $1000) |
| 2 | $2150 | $430 (20% of $2150) | $18,570 ($19,000 - $430) |
| 3 | $50 | $10 (20% of $50) | $18,560 ($18,570 - $10) |
| 4 | $1000 | $200 (20% of $1000) | $18,360 ($18,560 - $200) |
| 5 | $1500 | $300 (20% of $1500) | $18,060 ($18,360 - $300) |
Viewing your financing details on eBay
If you've received a Business Cash Advance or Flexible Cash Advance, you can view your payment details at any time in Seller Hub, My eBay or on the eBay app. You can also find more details about the financing offers that may be available if you are eligible, pre-qualified or pre-approved. Here's how:
On the eBay app:
- Open the app and select My eBay from the menu.
- Tap Payments.
- Tap eBay Seller Capital.
In Seller Hub:
- Select the Payments tab.
- Select Seller Capital on the left-hand side.
In My eBay:
- Select Account.
- Select Payments.
- Select eBay Seller Capital.
You can also go to your account settings - opens in new window or tab on desktop and select eBay Seller Capital under Selling.
Troubleshooting payments issues
If a Business Cash Advance or Flexible Cash Advance payment didn't process, there are a few reasons why this may have happened:
- No sales – If you haven't made any sales on a particular day, we won't remit any payments for that day
- Negative account balance – If the balance in your Total funds or Available funds is negative, your payouts and financing payments will be blocked. If this is due to a transaction hold, your payouts and payments will resume once the holds are released. See our Payments on hold help page for more information
- Payment dispute or Payout holds – If you have a Payment dispute hold or Payout hold related to registration, compliance or tax, your payments may be canceled. See our Payments on hold page for more information
If your payment issue still isn't resolved, we recommend contacting your financing partner directly.
Fees
eBay Seller Capital financing partners don't charge late fees or early payment fees. However, you may be charged other fees depending on the type of financing you choose.
For Business Cash Advances, there are no fees except for the fixed fee charged upfront on financing amounts.
For Flexible Cash Advances, you only pay a fixed fee when you receive a new advance. You won't be charged for the unused portion of your available capital balance.
For term-based business loans, eBay Seller Capital financing partners may charge an origination fee on the loan amount, and/or periodic interest based on the amount and tenure of your loan.
The terms of financing, including applicable fees, are set by eBay Seller Capital's financing partners and the details are outlined in your financing agreement. We recommend reviewing the terms and conditions of your financing agreement before agreeing to an extension of credit.