eBay Seller Capital financing can be used to help your business in a variety of ways, such as buying new inventory, investing in marketing initiatives, renting a retail space, or hiring staff.
How eBay Seller Capital works
eBay works with financing partners Liberis and iBusiness Funding to provide eligible eBay sellers with financing. Through the eBay Seller Capital program, these providers, not eBay, review your application, decide on your eligibility, set the terms, and manage your financing.
If your application is approved, financing up to $2 million by our financing partners may be available to you. The amount you're offered will depend on your business performance, business tenure and sales history.
If your application with our financing partner is approved, the funds will typically be transferred directly to your verified bank account within 1–2 business days after approval and the contract has been signed.
Applying for financing
If you're eligible for financing, you may receive a personalized offer by email to apply for financing. You can also apply on the eBay Seller Capital page in Seller Hub. Here’s how:
- Go to the eBay Seller Capital landing page - opens in new window or tab. If this page isn't visible to you, you may not be eligible at this time.
- Choose your offer and select Apply now.
- Confirm your details in the application form. If you need to update any details, go to your account settings - opens in new window or tab.
- Submit your application.
Depending on your offer and the financing partner, you may be asked to provide bank statements, or to connect with your bank. Once your application has been submitted, the financing partner will review your details and get back to you with their decision. Your eBay sales, business performance, and any documents you provide will all be taken into account when they reach their decision.
Keep in mind that receiving an offer is not a guarantee that you will be approved for financing. If you receive an offer but your application is declined, contact the financing partner directly.
Tip
If you have any questions about your financing, or if you need to change any of your information, contact your financing partner directly. To contact Liberis, email info-us@liberis.com or call +1 (470) 582-1130. To contact iBusiness Funding, email info@iBusinessFunding.com or call +1 (855) 218-8023.
Types of financing
Term loans
A term loan is a lump sum of money that you receive through eBay Seller Capital partners in return for a fixed borrowing cost.
Business Cash Advances
A Business Cash Advance is an advance on your sales. If approved, you'll have access to a lump sum of capital upfront. This is not a loan — the cost comes in the form of a fixed fee, not interest. Also, unlike a term loan that has fixed monthly payments, a Business Cash Advance is paid on a pre-agreed percentage of your gross sales.
Flexible Cash Advance
A Flexible Cash Advance gives you access to an account that contains your available capital. This is the maximum amount of money you can access at any one time.
When you'd like a new advance, simply go to your account dashboard - opens in new window or tab and request one. Your available capital will refresh as payments are made towards any outstanding balance.
Choosing your financing
See our comparison table below to help you decide which type of financing meets the needs of your business:
|
Financing |
Type/Payout |
How you pay |
Fee |
|
Term Loan |
One-time lump sum paid to your bank account |
Fixed payments (usually monthly) |
Interest and origination fee |
|
Business Cash Advance |
One-time lump sum paid to your bank account |
Fixed percentage of daily gross eBay sales |
One-time fixed fee |
|
Flexible Cash Advance |
Available capital with multiple advances allowed, each paid to your bank account |
Fixed percentage of daily gross eBay sales per advance |
One-time fixed fee per advance |
You can have one active Seller Capital financing type per eBay account at a time. It may be possible for some sellers to combine revenue from multiple eBay accounts for a larger offer during the application process. The financing partner you are applying with can confirm if this option is available to you.
Tip
For FAQs and more information about how this program works, take a look at our eBay Seller Capital - opens in new window or tab website.
Topping up your financing
If you’ve paid a significant portion of your existing financing, you may become eligible to top up your financing. If you're eligible, you'll receive an email or see a new offer in the Seller Capital Dashboard - opens in new window or tab.
For Flexible Cash Advance, you can request more financing, if it's available to you, through the Seller Capital Dashboard - opens in new window or tab.
Payments
Term loans
If approved, the term loan amount will be deposited into your business bank account, and then you'll make fixed payments at a regular cadence (usually monthly) until the total payment amount is repaid.
Business Cash Advance and Flexible Cash Advance payments
If you have chosen a sale-based financing, instead of making fixed monthly payments, you'll pay a fixed percentage of your daily gross sales on eBay. Your gross daily sales include the item price, taxes, postage costs and any other fees associated with your orders.
We calculate your daily payment using the payment percentage we received from our financing partner. Your payment rate is displayed on the Seller Capital dashboard in Seller Hub and can also be found in your financing agreement. We'll then deduct payments from your available funds each day before sending payouts. Don't worry - we'll never deduct more than what you have available, regardless of your calculated payment amount.
Example of eBay Seller Capital payments
See the table below for an example of eBay Seller Capital payments. The example shown is for a seller with an active Business Cash Advance of $20,000 and based on a daily payment percentage of 10%.
|
Day |
Daily gross sales |
Payment amount |
Outstanding financing balance |
|
1 |
$5000 |
$500 (10% of $5000) |
$19,500 ($20,000 - $500) |
|
2 |
$2150 |
$215 (10% of $2150) |
$19,285 ($19,500 - $215) |
|
3 |
$50 |
$5 (10% of $50) |
$19,280 ($19,285 - $5) |
|
4 |
$1000 |
$100 (10% of $1000) |
$19,180 ($19,280 - $100) |
|
5 |
$1500 |
$150 (10% of $1500) |
$19,030 ($19,180 - $150) |
Tip
Checking your eligibility or offers generally won’t impact your credit score. However, taking out financing and not paying may affect your credit score. If payment via your eBay sales is no longer possible, your finance partner will reach out to discuss different payment options.
Viewing your financing details on eBay
You can view your eBay Seller Capital - opens in new window or tab details at any time in Seller Hub, My eBay or on the eBay app. You can also find more details about the financing offers that may be available if you are eligible or pre-qualified. Here's how:
On the eBay app:
- Open the app and select My eBay from the menu.
- Tap Payments.
- Tap eBay Seller Capital.
In Seller Hub:
- Select the Payments tab.
- Select Seller Capital on the left-hand side.
In My eBay:
- Select Account.
- Select Payments.
- Select eBay Seller Capital.
Troubleshooting payments issues
If a payment didn't process, there are a few reasons why this may have happened:
- No sales – If you haven't made any sales on a particular day, we won't remit any payments for that day
- Negative account balance – If the balance in your Total funds or Available funds is negative, your payouts and financing payments will be blocked. If this is due to a transaction hold, your payouts and payments will resume once the holds are released. See our Payments on hold help page for more information
- Payment dispute or Payout holds – If you have a Payment dispute hold or Payout hold related to registration, compliance or tax, your payments may be canceled. See our Payments on hold page for more information
- Incorrect payment amount – Review your payment rate and the gross sales for that day. If the amount still seems to be incorrect, we recommend contacting your financial provider for details on how it was calculated
If your payment issue still isn't resolved, we recommend contacting your financial provider directly.
Fees
eBay Seller Capital financing partners don't charge late fees or early payment fees. However, you may be charged other fees depending on the type of financing you choose.
For Business Cash Advances, there is only a one-time fixed fee charged upfront on financing amounts.
For Flexible Cash Advances, you only pay a funding fixed fee whenever you request a new advance from your capital limit. You won't be charged for the unused portion of your available capital balance.
For term-based business loans, eBay Seller Capital financing partners may charge an origination fee on the loan amount, and/or periodic interest based on the amount and tenure of your loan.
The terms of financing, including applicable fees, are set by eBay Seller Capital's financing partners and the details are outlined in your financing agreement. We recommend reviewing the terms and conditions of your financing agreement before agreeing to accept any funds.
Closing or canceling your financing
If you would like to cancel before or after receiving financing, contact the financing partner directly.
If you've stopped selling on eBay, sales-based payments reduce automatically when sales decrease. If you have no sales on eBay, the finance partner may reach out to you to arrange different payment methods.
To fully close your financing, please contact your financing partner directly to pay the remaining balance.