SellersFunding
SellersFunding provides fast working capital to ecommerce sellers via AI-driven underwriting.
SellersFunding is an AI-powered working capital platform that provides fully automated funding to online marketplace sellers on Amazon, Shopify, and other ecommerce channels. The platform uses machine learning to analyze seller transaction data and delivers funding decisions and deposits within 48 hours, with amounts up to $5M. It serves over 40,000 sellers globally with a suite of products including working capital loans, daily payouts, invoice factoring, and payment solutions. SellersFunding differentiates through specialized underwriting for ecommerce, rapid deployment, and a proprietary credit risk model built on seller behavioral data.
Problem solved
Ecommerce sellers lack access to fast, flexible working capital to fund inventory, operations, and growth without lengthy bank processes or personal guarantees.
Target customer
Online marketplace sellers (Amazon, Shopify, Etsy, WooCommerce) with minimum 6 months operating history and $20K+ monthly net sales; includes small-to-mid-sized ecommerce businesses, brands, and retailers in US, UK, Australia, and Canada.
Founders
R
Ricardo Pero
CEO & Co-Founder
20+ years in corporate treasury and wealth management; former Director at JPMorgan and Citigroup; MBA in Finance from Columbia Business School (2001-2002).
A
Alessandro Rodrigues Novaes
Co-Founder
Co-founder of SellersFunding with focus on platform development and strategy.
F
Fabio Davi Knijnik
Co-Founder & COO
COO of SellersFunding and founder of 2 other companies; brings operational expertise to scaling.
Funding history
Seed Rounds
$40M
Pre-2021
Led by Unknown
· Unknown
Series A
$166.5M
September 14, 2021
Led by Northzone
· Endeavor Catalyst, Fasanara Capital
Credit Facility
$100M-$200M
January 2021 onward
Led by Fasanara Capital
· Unknown
Series C
$44.8M
January 13, 2025
Led by Unknown
· Unknown
Total raised:
$380.01M
Pricing
Not publicly available. Working Capital loans range from $5,000 to $2.5M with 3-15 month terms. Amazon Lending credit lines up to $10M. Contact for specific rates and terms.
Notable customers
40,000+ sellers served globally; named case studies include a mineral water distributor, U.S. sports retailer, and equipment manufacturer (with Costco, Sam's Club, Publix, Academy Sports, Anheuser Busch as account debtors); Amazon marketplace sellers via Amazon Lending partnership.
Integrations
Amazon Lending (credit line integration), ecommerce marketplace data connections (Shopify, Etsy, WooCommerce implied), bank account connectivity for deposits and payouts.
Website
Competitors
Wayflyer
Broader fintech platform serving consumer brands across multiple sales channels with growth-focused underwriting; less ecommerce-specialized than SellersFunding.
Payability
Focuses primarily on daily payouts and working capital for Amazon, Walmart, and Newegg sellers with no credit checks; narrower product scope than SellersFunding's multi-channel approach.
8fig
Emphasizes customizable funding and AI-driven cash flow optimization tools for ecommerce; positioned more as a financial management platform vs. lending-first.
Lendistry
Broader small business lending platform; less specialized in ecommerce than SellersFunding.
Ampla
Alternative working capital provider with different underwriting methodology and product offerings.
Why this matters: SellersFunding has become a category leader in marketplace seller financing with $380M+ in total funding and 40,000+ customers, backed by tier-1 investors like Northzone and Fasanara. Its partnership with Amazon Lending demonstrates trust from a major ecosystem player and validates its risk model. The company's ability to deploy capital in 48 hours using proprietary ML models represents a meaningful shift in how working capital is accessed by ecommerce entrepreneurs.
Best for: Online sellers on Amazon, Shopify, and other marketplaces who need $5K-$5M in working capital within 48 hours without traditional bank underwriting; inventory-driven ecommerce businesses and brand sellers scaling operations.
Use cases
Inventory Funding for Peak Seasons
An Amazon seller needs $200K to purchase inventory before holiday season but can't wait 4-6 weeks for bank approval. SellersFunding analyzes their 12 months of sales data and transaction history, approves within 48 hours, and deposits funds so they can stock up and capture peak demand without missing the season.
Multi-Channel Expansion
A Shopify brand selling on Amazon wants to expand to Walmart and other marketplaces but needs working capital for additional inventory and operational costs. SellersFunding provides up to $1M+ based on proven sales velocity across channels, enabling rapid expansion without dilutive equity or personal loans.
Cash Flow Bridge for B2B Sellers
A B2B equipment manufacturer selling through multiple channels faces 30-60 day payment terms from major retailers (Costco, Sam's Club) but needs to pay suppliers in 15 days. SellersFunding offers invoice factoring and daily advances to bridge the gap, keeping operations smooth during growth.
Alternatives
Wayflyer
Choose Wayflyer if you're a consumer brand selling across multiple channels (not just marketplaces) and value growth-focused underwriting with marketing services.
Payability
Choose Payability if you primarily need daily payouts and quick access to revenue without credit checks on Amazon or Walmart, with simpler product scope.
Traditional Bank Line of Credit
Choose a bank if you have 2+ years history, strong personal credit, and can wait 4-8 weeks; SellersFunding is faster and doesn't require personal guarantees.
FAQ
What does SellersFunding do? +
SellersFunding is an AI-powered fintech platform that provides fast working capital loans ($5K-$5M) to online ecommerce sellers. Using machine learning to analyze marketplace transaction data, it delivers funding decisions and deposits within 48 hours—much faster than traditional banks. It also offers daily payouts, invoice factoring, and payment solutions tailored to ecommerce businesses.
How much does SellersFunding cost? +
Pricing is not publicly disclosed. Loan amounts range from $5,000 to $2.5M (up to $5M in some cases) with terms of 3-15 months. Cost varies by loan amount, term, and borrower profile. Contact their sales team for specific rates and terms.
What are the requirements to qualify? +
You must have been in business for at least 6 months on an ecommerce platform, with minimum $20K in monthly net sales. Your business must be incorporated in the US, Australia, Canada, or UK as an LLC, Ltd., or Corporation. They analyze your marketplace transaction data to assess creditworthiness.
What are alternatives to SellersFunding? +
Top alternatives include Wayflyer (growth-focused fintech for consumer brands), Payability (daily payouts for marketplace sellers), 8fig (AI-driven cash flow tools for ecommerce), and traditional bank lines of credit. Each differs in speed, specialization, and product breadth.
Who uses SellersFunding? +
SellersFunding serves 40,000+ ecommerce sellers globally, including Amazon, Shopify, and Etsy sellers; small-to-mid-size brands; B2B retailers; and equipment manufacturers. Notable use cases include inventory funding, multi-channel expansion, and cash flow bridging for businesses with extended payment terms.
How does SellersFunding compare to Wayflyer? +
SellersFunding is more specialized for marketplace sellers (Amazon, Shopify) with faster underwriting (48 hours vs. Wayflyer's longer process). Wayflyer serves broader consumer brands across channels and emphasizes growth consulting. SellersFunding's AI model is built specifically on marketplace transaction data, while Wayflyer uses broader ecommerce metrics.
How fast can I get funded? +
Funding decisions can be instant for amounts under certain thresholds (instant pre-approvals). Once approved, deposits are made within 48 hours. This is significantly faster than traditional banks (4-8 weeks) and most alternative lenders.
Tags
ecommerce financing
working capital loans
Amazon seller funding
AI underwriting
marketplace lending
cash flow
supply chain finance