Online sellers face a cash squeeze before every big sale: stock must be bought weeks ahead, ads must run, and marketplace settlements arrive later. A working capital or term loan can bridge that gap.
Common needs
- Inventory ahead of festive and sale seasons
- Advertising and marketing
- New product lines, packaging and photography
- Warehousing and logistics
What lenders look at
- Marketplace and payment-gateway settlements in your bank account
- GST registration and returns — most marketplace sellers need GST; see GST registration
- Business vintage and sales trend
- Returns and refunds affecting net revenue
- The owner's credit record
Tips
- Keep all settlements in one business account.
- Plan the loan around your sale calendar; don't stretch a short inventory need into a long loan — see working capital vs term loan.
- Track gross margin after fees, returns and ads before borrowing for growth.
How to apply with Oxon Fintech
Share your business details once, link your bank account digitally through Account Aggregator, and see offers from our lending partners. Check eligibility and the documents first, and plan the EMI with the business loan EMI calculator.