Can Amazon or Shopify sellers get MCAs?

Yes, many MCA funders specialize in e-commerce. You'll typically need to provide both payment processor statements and bank statements. Sellers with $10,000+/month in revenue and 6+ months of history can qualify.

Do chargebacks affect MCA approval?

High chargeback rates (above 2%) are a red flag for underwriters. They suggest customer dissatisfaction or potential fraud risk. Keeping chargebacks low is important for both MCA approval and payment processor relationships.

Is e-commerce considered higher risk than brick-and-mortar?

Generally yes, because online businesses can be more volatile. However, established e-commerce businesses with consistent revenue histories are funded regularly. The risk premium is reflected in slightly higher factor rates.

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70-85% Approval Rate

E-Commerce MCA Funding

E-commerce businesses with established sales histories and consistent online revenue are increasingly popular MCA candidates. Digital payment processing and trackable revenue metrics make underwriting straightforward.

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70-85%

Approval Rate

$10,000 - $300,000

Typical Funding

1.20-1.42

Factor Rate

Medium Risk

Risk Level

What Underwriters Look For

Consistent monthly revenue from online sales platforms

Payment processor statements (Stripe, PayPal, Shopify)

Bank deposits matching reported sales volume

Customer return and chargeback rates

Minimum 6 months of operating history

Common Red Flags

High chargeback or refund rates exceeding 2%

Revenue entirely dependent on a single platform (Amazon, Etsy)

Significant gap between reported sales and bank deposits

Rapid revenue decline suggesting loss of market position

Tips to Improve Your Qualification

Provide payment processor statements alongside bank statements

Keep chargeback rates below 1% if possible

Diversify sales across multiple platforms or your own website

Show consistent monthly revenue growth or stability

Maintain clear records reconciling processor payouts to bank deposits

Industry Insight: E-Commerce

E-commerce businesses represent a growing segment of MCA funding. Online sellers benefit from detailed, trackable transaction data that makes underwriting efficient. Whether you sell on Amazon, Shopify, Etsy, or your own website, the key metrics are consistent monthly sales volume and healthy bank deposits.

The biggest challenge for e-commerce MCA applicants is demonstrating business stability. Online businesses can experience rapid growth and decline, making underwriters cautious. Businesses with 12+ months of consistent revenue, low chargeback rates, and diversified sales channels receive the best terms. Single-platform sellers (Amazon-only, for example) face higher scrutiny because platform policy changes could impact their entire business.

Frequently Asked Questions

Check Your E-Commerce Qualification

Upload your bank statements anonymously and get an instant underwriter-grade analysis. See exactly how your e-commerce business file looks — no credit pull, no broker, no one contacts you.

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Related Industries

65-80%

Construction

Construction companies face unique MCA underwriting due to project-based revenue cycles. While approved regularly, construction businesses must demonstrate contract pipelines and consistent bank deposits between projects.

70-85%

Trucking & Transportation

Trucking and transportation businesses have consistent revenue from freight contracts and load payments. MCAs are popular in this industry for covering fuel costs, repairs, and fleet expansion when traditional bank financing is too slow.

70-85%

Fitness & Gyms

Gyms, fitness studios, and wellness centers benefit from membership-based recurring revenue. This predictable income model makes them appealing to MCA funders, especially studios with strong member retention.

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