eCommerce funding that works for you

No one knows your online business better than you do, that’s why you, the business owner, can decide exactly how to allocate your business funding. Whether you want to use your funding for inventory financing, boosting advertising for a new launch, or even to cover payroll during a busy season, it’s entirely up to you. You can use funding for any expense related to your business. We know that online sellers face unique challenges everyday, that’s why we’re here to provide you with funding solutions to solve them. 

To qualify for funding from Viably, your business must be U.S. based and established with a minimum of 6 months of sales history on Amazon or Shopify and meet a requisite sales amount, depending on which financing option your business chooses. 

• VGC & VWA: $10000 in monthly average sales

It’s important to note that these are minimum qualifications for eCommerce financing from Viably. Each business is subject to review from our underwriting team and we cannot guarantee approval for funding purely based on these criteria, however they are good guidelines for success. 

Unlike traditional lenders or small business loan lenders, Viably does not require a personal guarantee or collateral from the business owner in order to qualify for funding. We recognize that eCommerce sellers are in a unique position where they often don’t have inventory on hand but still need the capital to run their business strategically. By reviewing your sales history and getting to know your business on a personal level, our underwriting team is able to confidently make an offer without the time or hassle that comes with traditional loans– helping you run your business more effectively sooner. 

To apply for funding simply click here and begin the process. It’s a quick and easy application that requires you to fill out some information about your business and sales history, as well as connect your business bank account(s). After that you’ll be able to view your preliminary offers. 

While traditional loan applications can be time consuming and require a lengthy process for approval, Viably’s expedited underwriting process allows you to take advantage of time sensitive opportunities for your online business. Where traditional lenders for small businesses may take weeks, or even months, typically we can have final offers for funding back to you in the span of 1-2 business days. 

Once your application is approved, funds will be deposited to your Viably business checking account within 24 hours. At that point you can start using your new working capital immediately to begin growing your business. 

Since Viably’s financing options are not a loan, we’re able to provide tailored rates and repayment terms in the business. All of our funding solutions use a set, one-time fee that’s automatically deducted from your initial payout, eliminating confusing terms while ensuring that the cost of capital remains low. For VGC and VWA customers this fee will be between 4%-8% based on how long your repayment terms are. 

After your initial funding distribution, repayment cycles are automatic to create a seamless and streamlined process. Additionally these repayments are aligned with your online business payouts from Amazon or Shopify in order to avoid creating unwanted cash flow hiccups. 

Unlike traditional lenders and other eCommerce funding platforms, Viably has no hidden fees or penalties associated with our working capital products. We believe that you should understand the cost of capital upfront so that you can make the best decision as a business owner. As a result, our funding options use a one-time fee that is automatically deducted from your funding, along with a clear repayment schedule that’s meticulously aligned with your marketplace payouts.

Any and all business or banking information that you share with Viably in the funding application process is securely encrypted and stored in an unreadable form. This means that the only people capable of viewing your data (in read only) is our underwriting team, who use the data to prepare a personalized offer for your business. 

Viably is unique compared to other funding platforms thanks to its personalized approach to capital, tailored-rates, and fully integrated suite of financial tools to streamline growth. Instead of simply funding your online business, we’ve built a platform that will grow with you– giving you a comprehensive picture of your financial health. And, compared to alternative funding options, Viably’s expedited application process is simple and convenient, without any of those stressful questions that traditional lenders ask. 

Where other eCommerce funding providers simply distribute money without regard to the health of your business, Viably aims to help you reach your goals through funding for sustainable growth.