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Keep your business moving forward

Getting the money your business needs is easy with eBay Seller Capital.

Apply now

eBay Seller Capital financing is provided by Funding Circle.1

How it works*

Determine how much funding your business needs

Complete Funding Circle’s simple application in minutes

Receive your funds as soon as two business days upon approval

*To qualify for funding, you must have a FICO score of 620 or higher, have been in business for two years or more, and have not filed for bankruptcy in the last seven years.

eBay Seller Capital can help grow your business

Buy more to sell more

Source more inventory to get ahead of customer demand.

Reach new audiences

Invest in marketing to get the word out about your unique products.

Upgrade your technology

Put money towards enhanced technology to help run and maintain your business.

Term loans up to $500,0003

Loan amount Credit score
impact
Min. to
qualify
Terms Cost of loan Early payback fee Repayment
$25,000 to
$500,0002
No $50,000 annually Up to 84 months3 Fixed periodic
interest

5.99% origination
fee
No Monthly fixed
payments

Why choose eBay
Seller Capital?

Fast

Get funds as quickly as two business days upon approval.

Convenient

Fill out one simple application.

Transparent

No hidden fees or early payback fees.

Get the money you need to sell more of what your customers love

FAQs

Is eBay the lender?

No. eBay partners with Funding Circle to provide eBay sellers with term loan financing. Funding Circle will originate and service your loan.

Will this impact my credit score?

Funding Circle will only conduct soft personal credit inquiries to underwrite or to service your loan, and will only do so after you’ve agreed to these inquiries during the application process. The soft pulls of your personal credit will not impact your credit score or show up on reports obtained by other lenders.

What do I need to apply?

The simple application takes a few minutes to complete. You'll be asked to verify your identity, provide certain personal and/or business information, and confirm the bank account where you prefer to receive your loan proceeds, if approved.

Do I need to provide financial statements in my application?

You may be asked to provide bank statements or tax returns for income verification purposes. If you have more than one bank account to manage your business and personal income, you’re welcome to provide multiple bank statements as requested. As part of your loan application process, you’ll need to provide a single bank account for the disbursal of the loan proceeds.

Are there origination fees?

Funding Circle charges a 5.99% origination fee.

When will I receive my loan proceeds?

eBay Seller Capital’s lending partner, Funding Circle, usually provides lending decisions within 24 hours and may provide same-day decisions. Depending on your bank, your deposit could be available as soon as two business days after loan approval.

How will I receive my loan proceeds?

Loan proceeds will be directly deposited into your verified bank account.

How do I repay?

Customers repay the loan directly to Funding Circle as per the terms of the loan agreement. For any questions regarding repayments please contact Funding Circle directly at loanquestions@fundingcircle.com or (866) 679-7966.

Are there any early payback fees?

No. You can pay off your balance in a few days or at the end of your term, without penalty.

How are my payments calculated?

Your monthly payment will depend on your loan amount, repayment term and interest rate. You can use Funding Circle’s small business loan calculator to estimate your monthly payment.

Does anything change with my current loan from eBay Seller Capital powered by LendingPoint?

If you have a current loan with our former eBay Seller Capital partner, LendingPoint, nothing will change for you. LendingPoint will continue to manage your loan until the end of its term and you can stay in control by accessing the LendingPoint customer portal.

Disclosures

1Loans are made by FC Marketplace, LLC dba Funding Circle and arranged pursuant to Nevada Installment Loan Company License No. IL11154 and IL11155, California Financing License No. 6054785, North Dakota Money Broker License MB 102840, South Dakota Money Lending License MYL.3054, Vermont Commercial Lender License No. 1287979 CLL, and Florida Consumer Company License CF9901099. At this time, loans to borrowers located in California and Nevada are not available. All loan offers and qualifications require credit approval and are subject to change with or without notice. Terms of financing, including applicable fees, are set by Funding Circle as disclosed in and governed by your financing agreement. The terms and conditions in your financing agreement should be carefully reviewed prior to agreeing to an extension of credit.

2Decisions on loan approval usually made by Funding Circle within 24 hours after document submission.

3Rates, terms and maximum loan amount may vary according to the overall creditworthiness of the applicant. To see what your business may qualify for, apply today at no obligation. All loan offers and qualifications require credit approval by Funding Circle and are subject to change with or without notice.

eBay Commerce Inc. holds a conditional Rhode Island loan broker license.

Vermont Residents: THIS IS A LOAN SOLICITATION ONLY. EBAY COMMERCE INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

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