Finance your ecommerce acquisition with as little as 10% down. SBA 7(a) loans are the most accessible way to buy a Shopify store, Amazon FBA business, or D2C brand.
SBA 7(a) loans are specifically designed to help entrepreneurs acquire existing businesses with favorable terms.
SBA loans typically require only 10-15% down, compared to 30-50% for conventional financing.
Extended repayment terms mean lower monthly payments and better cash flow from day one.
SBA 7(a) loans can finance acquisitions up to $5 million for qualified buyers.
Interest rates are capped by the SBA, typically Prime + 2.25% to 2.75%.
The process is straightforward when you work with an experienced ecommerce SBA lender.
5-minute application to determine your buying power and loan eligibility. No credit impact.
Search for businesses that match your criteria and financing capacity.
Once you're under LOI, submit full documentation for underwriting.
Loan approval in 30-45 days. Funds released at closing.
Here's what lenders look for when financing online business acquisitions.
Requirements are guidelines, not hard rules. Many first-time buyers and those with unique situations successfully obtain SBA financing. Get prequalified to see your actual eligibility.
Most established ecommerce businesses are excellent candidates for SBA financing.
FBA businesses with Brand Registry, established rankings, and 2+ years of history are ideal SBA candidates.
D2C Shopify stores with consistent revenue, clean books, and transferable operations.
Direct-to-consumer brands with loyal customers, strong margins, and growth potential.
Use our SBA affordability calculator to see your estimated buying power based on your down payment.
Calculate NowYes. Amazon FBA businesses are excellent candidates for SBA financing because they have documented revenue through Amazon's platform, established cash flow, and transferable assets (inventory, supplier relationships, brand registry).
Yes. Shopify stores with at least 2 years of operating history, consistent revenue, and clean financials are regularly financed through SBA 7(a) loans. The key is demonstrable, transferable value.
With an experienced SBA lender specializing in ecommerce, approval can take 30-45 days from application to funding. Prequalification takes only 5 minutes and gives you a clear picture of your buying power.
Relevant experience is important but doesn't have to be exact. Management experience, marketing expertise, or related industry knowledge can qualify you. First-time buyers regularly get approved.
SBA 7(a) loans can finance up to $5 million. The actual amount depends on your down payment, the business's cash flow, and your qualifications. A good rule of thumb: with 15% down, you can typically finance a business at 3-4x your down payment amount.
SBA 7(a) loan rates are capped and typically range from Prime + 2.25% to Prime + 2.75% depending on loan size and term. As of 2024, this means rates around 10-11%.
Find out your SBA loan eligibility in 5 minutes. No credit impact, no obligation.
Get Prequalified NowPowered by eCommerce Lending • Specialized SBA lender for online businesses