Turn opportunities into outcomes
From inventory management to large capital expenditures, explore options for your unique business needs.
eBay Seller Capital powered by LendingPoint.
Options to fit your needs
- Business Loans up to $500K* and terms up to 60 months** for longer-term business needs
- Working Capital with Fixed Payments
- Lines of Credit up to $250K* for easily accessible capital
Get a loan without impacting your personal credit.
Quick decisions and speedy deposits for eligible sellers.
No origination fees or early payback fees.
How it works
Apply for a loan with no impact to your personal credit score.
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.
For more details, see the FAQs below.
|eBay Seller Capital||Other solutions|
|Business loan||Working capital with fixed payments||
Line of credit
Qualifying applicants only. Amounts from $35,000 to $250,000.
|Credit cards||Other non-bank solutions|
|Term||Up to 60 months**||6, 9, 12 month term||Open-ended||Variable||Shorter term, higher payment|
|Cost of loan||Fixed periodic interest||Fixed||Fixed periodic interest relative to the amount drawn on the loan||Interest on interest||Often high periodic interest|
|Early payback fee||No||No||No||No||Sometimes|
|Additional loans||Yes||Only one at the time||Yes||Sometimes||Sometimes|
|Repayment||Monthly or semi-monthly fixed payments||Fixed payment every two weeks||Monthly or semi-monthly fixed payments||Monthly payment||Monthly fixed payment|
Over 4,600 five-star customer reviews on Trustpilot2
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.
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.
Frequently asked questions
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, and Citizens Bank, N.A. Loan approval is not guaranteed. Offers below $50,000 may be funded by LendingPoint LLC, First Electronic Bank or FinWise Bank. Fundation and Citizens Bank, NA.A are the lenders for offers of $50,000 or greater. FinWise Bank, First Electronic Bank, and Citizens Bank, N.A. are the lenders for California-based businesses. Actual loan offers, loan amounts, terms, and annual percentage rates (“APR”) may vary. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day.
**For example, a $10,000 loan serviced by LendingPoint over a period of 48 months that has an APR of 12.99% may have a payment of $268.23 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 $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.
1. Source: LendingPoint’s competitive analysis of industry practices. Terms and fees shown are typical charges from other lenders.
2. Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences.