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Keep moving forward with flexible financing

Access up to $25,000 to achieve your goals.

eBay Seller Capital powered by LendingPoint



Instant decisions and speedy deposits



No fees; pay interest as you go



Terms and payments to fit your needs



No impact on your personal credit

Already have a loan?

Refinance at a lower payment and save! eBay Seller Capital powered by LendingPoint is compatible with payments managed by eBay.

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Over 3,000 five-star customer reviews on Trustpilot

“[LendingPoint] is a great resource for small business owners and entrepreneurs that traditional banks often reject. After you have a great track record established, they lower your rate and offer more funding. I highly recommend.”

★★★★★ by Mike

“[LendingPoint] gave me a loan that met all of my business needs. The entire process was quick, easy and painless. I am grateful for their efforts to make this possible and would definitely recommend them.”

★★★★★ by Ashley

Let’s compare

eBay Seller Capital Other Solutions
Fixed Payment Loan Working Capital
(coming soon)
Credit Cards Traditional Bank Loans Other Non-Bank Solutions
Credit impact No No Yes Yes Sometimes
Repayment Longer term for a lower payment Percentage of your eBay sales Variable Fixed up to 60 months Shorter term, higher payment
Periodic Interest Fixed and affordable No, one fixed affordable fee Yes, interest on interest Fixed Often high
Additional Fees No No Annual fees and late fees Origination fees and late fees Often
Early Payback Fee No No No Yes Sometimes
Collateral Required No No Sometimes Sometimes Sometimes
Additional Loans Yes Yes Sometimes Sometimes Sometimes

Frequently asked questions

What is the relationship between eBay and LendingPoint?

eBay has partnered with LendingPoint to facilitate financing for eBay sellers. Eligibility for a loan offer through LendingPoint is based on your financial profile.

Who is LendingPoint?

LendingPoint is the servicer of your financing. Over the past four years, they’ve loaned more than $2B to consumers and small businesses. They’ve been awarded with over 3,000 5-star customer reviews and were named the 17th fastest growing private company in the United States and the 2nd fastest in the financial industry by Inc. 5000 in 2019.

What financial products are available?

LendingPoint currently offers easy to manage monthly payment installment loan options. Coming soon is a working capital option where you can allocate a percentage of your eBay sales to repay over time.

How much could I be eligible for?

LendingPoint offers financing options from $500 to $25,000 with flexible payment terms from 12 to 48 months* to fit your needs. Coming this Fall, we will have financing options up to $500,000.

Will this impact my credit score?

Applying for financing will not negatively impact your personal credit score. LendingPoint uses a soft credit inquiry process that does not impact your personal credit score and is not visible to third parties on your credit report.

If I am enrolled in eBay’s Managed Payments platform, will it impact my eligibility?

No. eBay Seller Capital was created for and is fully integrated into the eBay Managed Payments platform.

What do I need to apply?

The simple application takes a few minutes to complete. With some basic information, you could have a decision in seconds. Once you decide which option is best for you, you will be asked to verify your identity and confirm the bank account where you prefer to receive your deposit.

Are there fees?

Not now. Not ever. LendingPoint believes in transparency so there are no hidden, upfront, early payback, or late fees.

How are my payments calculated?

Your payment is calculated based on your needs and the term you decide is best for you.

When will I receive my deposit?

LendingPoint provides same day approvals. Depending on your bank, your deposit could be available as soon as the next business day.

How will I receive my deposit?

LendingPoint will direct deposit into your verified bank account via the ACH network.

How does this compare to credit cards?

Unlike credit cards, LendingPoint’s financial products never have an annual fee or late fee associated with them. LendingPoint utilizes a consumer-friendly simple interest calculation. Credit card rates can be simple interest or can compound the interest also known as interest on interest.

How do I repay?

With one monthly payment, LendingPoint makes it easy to manage your cash flow and budget. Customers enjoy the convenience of our set it and forget it autopay program. As a paperless company, you will receive upcoming payment reminders via email and SMS. You can manage your account, submit payments, stay connected, and receive eBay Seller offers exclusively for you within your LendingPoint customer portal.

Are there any early payback fees?

Never. You can pay off your balance in a few days or end of your term. The choice is up to you.

Can I have more than one eBay Seller Capital loan at a time?

Yes. Your capital needs are unique and you may need additional funds from time to time. You can receive more funds even if there is an outstanding balance on your current loan.

Can I refinance an existing loan with another provider?

Yes and it could save you money. Once you receive your deposit, simply payoff your other loan to enjoy one easy payment.

If you have received a pre-approved offer and would like to opt-out from this process,
please see the information below:

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-5-OPTOUT (1-888-567-8688). See PRESCREEN & OPT OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5-OPTOUT (1-888-567-8688) or visit the website at; or write: TransUnion Opt Out Request P.O. Box 505, Woodlyn, PA 19094-0505; Experian Information Systems, Inc. P.O. Box 919, Allen, TX 75013; Equifax Options P.O. Box 740123, Atlanta, GA 30374-0123.

Terms and conditions

*Applications for loans submitted may be funded by one of several lenders including: FinWiseBank, a Utah-chartered bank, member FDIC; First Electronic Bank, a Utah-chartered industrial bank, member FDIC; LendingPoint LLC, a Delaware limited liability company with its principal place of business in Kennesaw, Georgia. Loan approval is not guaranteed. Actual loan offers, loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $500 to $25,000, at rates ranging from 9.99% to 35.99% APR, with terms from 12 to 48 months. A $10,000 loan over a period of 48 months with an APR of 12.99% may have a payment of $268.23 per month (actual terms and rate depend on credit history, income and other factors). The total amount due under the loan terms provided is $12,875.04. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

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