Funding on Your Terms: A Seller’s Guide to Using a Flexible Type of Merchant Cash Advance for Your eBay Business
Running an eBay business means staying ready for what comes next. Inventory opportunities can appear without warning, demand can spike or slow, and unexpected operational or logistical costs can disrupt even well-planned business decisions.
That’s where Flexible Cash Advance (FCA) comes in. Designed specifically for eBay sellers and powered by our lending partner Liberis, FCA offers funding that’s ready when you are, without forcing you to commit upfront or pay for working capital you don’t use. Understanding how it works and how to use it strategically can help you stay agile, protect cash flow, and move with confidence as your business evolves.
What Flexible Cash Advance Is and How It's Different
Flexible Cash Advance provides you with capital, offering ongoing access to funding without pressure to use it all at once, and giving you greater flexibility to support and grow your business on your terms.
You apply once, and once approved, your capital remains available so you can stay agile as business needs change. With FCA, you can:
Get approved for a set capital limit
Choose if, when, and how much working capital to take
You pay nothing unless you decide to take approved funds, and costs apply only to the amount you choose to access
Each time you take funds, you see the full cost upfront. There's one fixed, pre-agreed fee per release, with no interest and no compounding. This transparency helps you make informed decisions and avoid surprises.
Think of FCA as capital on-demand and on standby. It's available when timing matters, and it costs nothing when you don't need it.
How Flexible Cash Advance Works
Get approved for your capital limit
When a need comes up, you take only the amount you choose. Each release includes a fixed fee that's clearly shown before you proceed, so you always know the total cost.Take funds on your schedule
When a need comes up, you take only the amount you choose. Each release includes a fixed fee that's clearly shown before you proceed, so you always know the total cost.Make payments that adjust with your sales
Payments are taken automatically as a percentage of your eBay sales. You can choose the percentage during the application process.When sales are stronger, you pay more
When sales slow, payments adjust down
There are no fixed monthly payments to manage
This keeps payments aligned with your cash flow as your business moves through different sales cycles. Cash flow variability is a real challenge for many small businesses, with a PYMNTS Intelligence study finding that 22% of U.S. small business owners struggle to cover basic bills due to cash flow issues1, and nearly 4 in 10 SMBs (39%) have less than one month's worth of operating expenses on hand.2
Understanding Pricing and How You Can Influence Cost
One of the most important aspects of Flexible Cash Advance is that how you use it affects how much you pay overall.
The fee on each release is primarily influenced by:
How much you take
How much capital you already have outstanding at the time
In simple terms:
A lower outstanding balance can lead to a lower cost on your next release
A higher outstanding balance can increase the cost of future releases
There is no requirement to make payments between releases. However, reducing your balance before accessing additional funds can help lower the cost of future funding and support more flexible planning. This gives you more control and flexibility when planning how and when to use the capital.
Common Ways You Use Flexible Cash Advance
eBay sellers use FCA in different ways depending on their business needs. Common scenarios include:
Covering unexpected operational expenses, such as tax obligations or equipment repairs
Supporting short-term or unexpected opportunities that require quick action
Preparing for busy selling periods or seasonal demand
Managing quieter months without fixed payment pressure
Restocking fast-moving inventory or buying in bulk
Because you have access to approved funding, you can respond quickly when timing matters most, keeping you in control.
What Sellers Say
For many sellers, the biggest benefit of Flexible Cash Advance is peace of mind.
“I think it’s a simple security, so if I want to purchase a big purchase, or if there’s something I need right away, it’s nice to know I have that on hand right away. It’s relatively fast so I can get the cash I need. It brings a sense of comfort knowing that it’s here.”3
- Kris Bordeaux, US collectible reseller
For Kris, access to funding without pressure is part of staying prepared, allowing him to plan ahead and focus on long-term growth.
Why Flexible Cash Advance Works for eBay Sellers
Flexible Cash Advance is built around how you actually operate. Sales fluctuate, opportunities arise unexpectedly, and timing often shapes business decisions. Rather than fixed schedules and rigid payment structures, FCA adapts to real sales performance.
Approved capital supports forward planning without requiring an upfront commitment. Flexible access lets you take funds only when a specific need or opportunity arises, while transparent pricing and payments that adjust with your sales help keep cash flow aligned as your business evolves.
You’ve built your eBay business by staying deliberate and responsive. Flexible Cash Advance supports that same approach, giving you another way to plan ahead and move forward with confidence on your terms.
Check your eligibility and explore your Flexible Cash Advance offer in Seller Hub.
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