Keep your business moving forward

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

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How it works

Check your options

Get started with a simple application to see your loan options.

Finish your application

Select the best loan option for you and provide some additional information to complete your application.

Receive your funds

Once approved, the funds could be in your account as soon as the next business day.¹

Find the right financing for you

Tell us what you think. We’d love to hear your thoughts.

Business loanBusiness loans up to $500K* and terms up to 60 months* for longer-term business needs

Credit impact	Term	Cost of loan	Early payback fee	Additional loans	Repayment
No	Flexible up to 60 months*	Fixed periodic interest Origination fee may apply	No	Yes	Monthly or semi-monthly fixed payments

Working capitalWorking capital up to $150K* with Fixed Payments

Credit impact	Term	Cost of loan	Early payback fee	Additional loans	Repayment
No	6, 9, 12 month term*	Fixed	No	Only one at the time	Fixed payment every two weeks

Line of creditLines of credit up to $150K* for easily accessible capital

Credit impact	Term	Cost of loan	Early payback fee	Additional loans	Repayment
No	Open-ended	Fixed periodic interest relative to the amount drawn on the loan	No	Yes	Monthly or semi-monthly fixed payments

Qualifying applicants only. Amounts from $50,000 to $150,000.

Why choose us?

Fast
Get funds as soon as the next business day upon approval.¹
Convenient
One simple application for multiple funding options.
Transparent
No impact to your personal credit score and no hidden fees or early payback fees.

An image of a man smiling and clapping his hands looking at a laptop.

Over 6,000 five-star customer reviews on Trustpilot^‡

Quick, safe, trustworthy

“I was amazed at how quick, safe and secure this transaction went. In fact, I needed to update my bank account to make it more secure before the loan would be approved which made me feel even safer and more trustful of something so new. I cannot thank you all enough, we love doing business on eBay and this service is so beneficial to our business.”

Paula Teller

Efficient and Excellent!!!

“This was the cleanest, clearest business capital loan we’ve ever executed! An excellent, knowledgeable Representative helped us to secure the right type of funding for our needs right over the phone...no red tape and endless resending of paperwork.”

Gadgetmaster LLC

4.9 out of 5 star rating Trustpilot logo

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

FAQs

What is the relationship between eBay and LendingPoint?

LendingPoint is facilitating financing for eBay sellers using LendingPoint’s platform. LendingPoint’s platform says “yes” to more people and small businesses by matching you with a lender who can meet your needs, including LendingPoint, Fundation, First Electronic Bank, Coastal Bank and FinWise Bank.

Who is LendingPoint?

LendingPoint is a financial AI and technology platform that provides financing origination solutions to ecommerce and point of sale partners, lending institutions and directly to consumers. The company’s fraud prevention, risk and asset management algorithms are used to create financing opportunities across the credit spectrum. Its LendingPoint Merchant Solutions platform provides ecommerce platforms, merchants, and other service providers fully integrated, one-stop financing solutions to convert more customers.

For the past three years, LendingPoint has been named on Inc. 5000’s list of fastest-growing private companies, ranking 17th in 2019. LendingPoint is a privately held company headquartered in Metro Atlanta, with offices in San Francisco, New York, Chicago and Dallas. LendingPoint, LLC owns and operates the LendingPoint platform.

What financial products are available?

LendingPoint’s Platform currently offers fixed term business loans, short-term working capital with fixed payments (fixed fee and no interest rate), and lines of credit.

Who is best suited for the eBay Seller Capital program?

eBay Seller Capital offers multiple financing options to meet the unique needs of your business. This includes loans from $500* to $500,000* and payment terms from 12 to 60 months*.

Will this impact my credit score?

Applying for and receiving financing will not negatively impact your personal credit score. LendingPoint’s Platform lenders use a soft credit inquiry process that does not impact your personal credit score and is not visible on your credit report to third parties.

What do I need to apply?

The simple application takes a few minutes to complete. With some basic information about you and your business (which does not have to be an incorporated business), you could have a decision in seconds. Once you are matched to a lender you will 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?

Depending on the product and lender, you might 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?

Each lender sets its own fees and some lenders may charge origination fees. Those origination fees will be disclosed by the lender and you should review all lender disclosures, terms, and conditions carefully.

Are there any early payback fees?

No. You can pay off your balance in a few days or end of your term, without penalty. The choice is up to you.

How are my payments calculated?

Depending on the loan product you choose, your payment is calculated based on the loan amount, interest rate or fixed fee, and the term between 12 and 60 months.*

When will I receive my loan proceeds?

LendingPoint’s Platform lenders may provide same-day decisioning. Depending on your bank, your deposit could be available as soon as the next business day after loan approval.

How will I receive my loan proceeds?

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

How does this compare to credit cards?

Unlike most credit cards, financing on LendingPoint’s Platform never has an annual fee and utilizes simple interest calculation (for the business loan product). Credit card rates can be simple interest or can be compound interest also known as interest on interest.

How do I repay?

LendingPoint’s Platform lenders make it easy to manage your cash flow and budget. You can set up Autopay and enjoy the convenience of your payments auto debited from your bank account.

Can I pay off an existing loan with another provider?

Yes. You can use your eBay Seller Capital loan to pay off a loan with another provider. Depending on your loan terms, it could save you money.

Terms and Conditions

*Applications for loans submitted may be funded by one of several lenders including: LendingPoint LLC, a Delaware limited liability company with its principal place of business in Kennesaw, Georgia; FinWise Bank, a Utah-chartered bank, Member FDIC; First Electronic Bank, a Utah-chartered industrial bank, Member FDIC; Fundation Group LLC, Citizens Bank, N.A. and Coastal Community Bank. Loan approval is not guaranteed. Offers below $50,000 may be funded by LendingPoint LLC, First Electronic Bank, Coastal Community Bank or FinWise Bank. Fundation and Citizens Bank N.A. are the lenders for offers of $50,000 or greater. FinWise Bank, First Electronic Bank, and Coastal Community Bank are the lenders for California-based businesses. Actual loan offers, loan amounts, terms, and annual percentage rates (“APR) may vary. An origination fee up to 6% may apply depending on your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Next-day funding is not guaranteed. For example, a $10,000 loan serviced by LendingPoint over a period of 48 months that has an APR of 21.51% with an origination fee of 6% may have a payment of $312.39 per month (actual terms and interest rates depend on credit history, income, and other factors). The total amount due under the loan terms provided is $14,994.66, and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you make all the payments as scheduled. Loan terms, including applicable fees, are set by the lender as disclosed in and governed by the financing agreement with the lender. Please carefully review the terms and conditions in the financing agreement prior to agreeing to any extension of credit.

¹Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day.

^‡Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences.

Credit impact	No
Term	Flexible up to 60 months*
Cost of loan	Fixed periodic interest Origination fee may apply
Early payback fee	No
Additional loans	Yes
Repayment	Monthly or semi-monthly fixed payments