Ecommerce Business Funding in Aurora, CO
E-commerce business funding for Aurora-based operators finances inventory, ad spend and platform expansion for DTC brands, Amazon sellers, Shopify stores and marketplace sellers. We work with everything from first-generation DTC brands scaling past $1M to multi-brand groups running $10M+ across channels.
E-commerce is a different underwriting animal than brick-and-mortar. Lenders look at gross margin, MER/ROAS, refund rates, and platform performance more than tax returns. Revenue-based financing, inventory lines and SBA 7(a) all play a role — the right structure depends on your growth stage and margin profile.
Marquette matches e-commerce files to lenders who actually understand DTC — not banks that pattern-match to retail and misprice the risk.
- Inventory buys ahead of peak season
- Ad-spend scaling (Meta, Google, TikTok)
- Amazon/marketplace inventory financing
- Brand acquisition or aggregation
- 3PL and warehousing capex
- Refinancing high-rate MCAs
- 12+ months of platform history (Shopify, Amazon, etc.)
- Consistent monthly revenue (usually $50K+/mo)
- Gross margin, MER/ROAS visibility
- Personal credit 640+ for most programs
- Bank statements and platform reports
From intake to funded in four steps.
“MCAs are the trap of e-commerce finance — they price off daily revenue and can suffocate a brand right when it's trying to scale. If you have MCA balances, refinancing them into a term facility is usually step one, not scaling ad spend.”
Questions Aurora operators actually ask.
Can I get an SBA loan for a DTC brand?+
Yes — SBA 7(a) works for e-commerce operators with 2+ years of tax returns and a clear use of funds. Timeline is 45–75 days.
How fast can inventory financing fund?+
Purchase-order and inventory lines can fund in 5–10 business days once diligence is complete.
What's the difference between MCA and revenue-based financing?+
MCAs debit a fixed daily amount regardless of sales; true RBF debits a percent of daily deposits (so slow days don't crush you). RBF is almost always the better structure.
Do you finance Amazon aggregators?+
Yes — SBA and conventional bank financing both work for aggregators buying FBA brands, though we run heavy diligence on the brands being acquired.
What about pre-launch brands with no revenue?+
Very hard on the debt side. Startup DTC pre-revenue is usually an equity conversation, not debt.
Talk to Aurora about ecommerce business funding.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.