Fund your business growth

Business Cash Advance: A Business Cash Advance is a type of merchant cash advance based on your sales that gives you access to a lump sum of capital upfront once approved. This is not a loan. Instead of interest, the cost is a fixed fee. Repayment is made as a pre-agreed percentage of your gross sales, rather than fixed monthly payments. You only repay when you make sales. If you need additional funding in the future, you’ll need to apply for a renewal.

Flexible Cash Advance: A Flexible Cash Advance provides ongoing access to available capital, allowing you to take out multiple cash advances up to your maximum available capital as often as you need, without submitting a new application each time. Like a Business Cash Advance, this is not a loan. Each advance carries a fixed fee instead of interest and is paid on a pre-agreed percentage of your gross sales. You only pay for the advance when you sell.

Term Loan: A term loan is a traditional business loan that charges interest and is repaid over a fixed period of time. Term loans have set monthly payments that must be paid regardless of your sales performance.

eBay Seller Capital can benefit sellers who are looking for flexible business funding to support growth or manage cash flow. eBay Seller Capital partners offer both short- and long-term financing options with broad eligibility criteria, designed to meet the needs of both growing and established businesses.

Funding can be used for common business needs such as purchasing inventory during peak selling seasons, covering operating expenses, promoting listings on eBay to drive sales, developing product lines, or expanding globally.

As part of the application review process, Liberis and iBusiness Funding perform a soft credit check. This soft credit check does not impact your personal (consumer) credit score.

The application is simple and takes just a few minutes to complete. With basic information about you and your business, you may receive a decision in seconds. You’ll be asked to verify your identity, provide certain personal and business information, and confirm the bank account where you’d like to receive your funding, if approved.

Depending on the product and financing partner, you may be asked to provide bank statements or tax returns to help verify your income. If you use 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 the application process, you’ll need to designate a single bank account for funding disbursement.

Liberis does not charge an origination fee. Instead, a one-time fixed fee applies to each Business Cash Advance. For Flexible Cash Advance, a fixed fee is charged only when you receive a new advance.

iBusiness Funding sets its own fees and charges a 5.99% origination fee.

eBay Seller Capital partners may provide same-day decisions. Depending on your bank, funds may be deposited directly into your account as soon as the next business day after financing approval<x:sup>1,4</x:sup>

If approved, financing proceeds will be deposited directly into your verified bank account.

Business Cash Advance: If you’ve taken out a Business Cash Advance, you may be eligible for additional funding after you’ve paid down at least 50% of your funding balance. If you become eligible, you may receive a notification.

Flexible Cash Advance: If you have an active Flexible Cash Advance and would like to renew beyond the 12-month availability period, please contact Liberis directly at info-us@liberis.com or (470) 582-1130.

Term Loan: If you have an active term loan through iBusiness Funding and would like to access additional financing, please contact iBusiness Funding directly at info@iBusinessFunding.com or (855) 218-8023.

Liberis: Payments are made automatically as a pre-agreed percentage of your daily gross sales proceeds. For questions about payments, please contact Liberis directly at info-us@liberis.com or (470) 582-1130.

iBusiness Funding: Payments are made directly to iBusiness Funding according to the terms of your respective agreement. For questions about making payments, please contact iBusiness Funding at info@iBusinessFunding.com or (855) 218-8023.

If you received a cash advance from Liberis, your payment is calculated as a fixed percentage of your gross daily sales.³ Gross daily sales include taxes, shipping costs, and any other fees associated with your orders. 

If you received a term loan from a lender via iBusiness Funding, your payment is calculated based on the loan amount, interest rate or fixed fee, and the term range from 12 to 84 months.<x:sup>6</x:sup>

eBay is not a lender, does not make credit decisions, and does not offer loans to eBay sellers. eBay Seller Capital partners with third-parties to provide capital loans or cash advances (as applicable) to eligible eBay sellers who qualify. The loans or cash advances (as applicable) are subject to the terms and conditions of the third-party financing provider, and eBay Seller Capital does not guarantee the loan amounts, interest rates, repayment periods, or amounts advances (as applicable). 

eBay Seller Capital is not responsible for and has no control over any actions or omissions of the third-party lender, including but not limited to their ability to fund a loan or cash advance (as applicable) or their decision to approve or deny a loan or funding application. eBay Seller Capital does not provide advice about the suitability or profitability of any loan or finance, and potential borrowers and Business Cash Advance customers should consult their own advisors before applying for financing. All loans and cash advances are subject to credit approval and satisfactory documentation. By applying for finance, you acknowledge and agree to the terms and conditions of the third-party lender, as well as any agreements between the lender or funding provider (as applicable) and eBay Commerce Inc. 

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

<x:sup>1</x:sup>In Jan 2024, 81% of approved applications received funding within 2 working days.

<x:sup>2</x:sup>This product is provided by Liberis US Inc, 999 Peachtree St NE Suite 300 Atlanta, GA 30309. (Registered in Delaware No: 7203441). Liberis’ Revenue Based Finance is a form of receivables finance not a loan.

<x:sup>3</x:sup>Amounts advanced are subject to status and our underwriting process before any offer can be made. Liberis pays commissions to its partners for introducing you to Liberis for the Revenue Based Finance Product. Amounts may be subject to change depending on your credit profile at inquiry. Liberis reserves the right to decline applications for affordability concerns, active insolvency, or failure to pass our compliance checks.

<x:sup>4</x:sup>Decisions on loan approval usually made by iBusiness Funding within 24 hours after document submission.

<x:sup>5</x:sup>Loans are made by iBusiness Funding 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, and Vermont Commercial Lender License No. 1287979 CLL. 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 iBusiness Funding 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.

<x:sup>6</x:sup>Rates, 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 iBusiness Funding and are subject to change with or without notice.

eBay Commerce Inc., NMLS ID 1774459, holds a conditional Rhode Island Loan Broker License No. 20234539LB.

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.