How e-commerce and retail underwrites
What differs here from the general order underwriters work in.
- Platform payouts — marketplaces, payment processors — arrive on settlement schedules that make deposits look batched rather than daily.
- Inventory cycles mean cash converts to stock and back, so a low balance month can be a healthy business mid-cycle.
- Chargeback and refund rates matter more here than in service businesses and are visible in the statements.
- Growth can look like volatility. A business tripling year on year has statements that read as erratic to a pattern-matching underwriter.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why e-commerce and retail deals get declined
Screen for these on the first call.
- Elevated chargeback or refund activity
- Revenue concentrated on a single platform or channel
- Balance consistently drawn down into inventory with little cushion
- Very recent trading history in a category with high failure rates
Funder appetite
Which funders want this paper, and when.
Moderate to good, and improving. Funders have become more comfortable reading platform settlement patterns than they were, but concentration on a single marketplace remains a genuine concern.
Seasonality
The most pronounced of any vertical. Fourth-quarter revenue can be several times a summer month, so which four months the statements cover changes the file entirely — and the capital need almost always precedes the season rather than following it.
How we handle verticals
Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward e-commerce and retail, before you spend anything.
Exclusive-lead minimums
Every exclusive lead clears all of these, whatever the vertical. The minimums apply to exclusive leads only.
- Over $30,000/month in revenue
- Requesting over $15,000
- 6+ months in business
- 4 months of bank statements available
- U.S.-based
- Mobile-verified by 6-digit code
- Complete contactable record
Questions
What revenue do e-commerce and retail leads typically show?
$30K–$200K/month, with advances typically landing at $20K–$100K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only e-commerce and retail leads?
Weighted toward e-commerce and retail, yes, where volume allows; a guaranteed order of only e-commerce and retail leads, no — leads are assigned in rotation. They come off live traffic rather than a menu, so a pure single-industry order is not something we can honestly promise. Weighting needs the volume to support it, and we will tell you plainly before you order whether it does.
Why do e-commerce and retail deals get declined most often?
Elevated chargeback or refund activity, most commonly. The others worth screening for on the first call are revenue concentrated on a single platform or channel, balance consistently drawn down into inventory with little cushion, very recent trading history in a category with high failure rates.
How much do the leads cost?
Exclusive, mobile-verified MCA leads run $65–$120 on the open market (checked 29 August 2026). Ours are $60 each, sold to one broker. Shared leads are $40 and aged leads are $0.35. Live submission data is quoted directly. Every band on the market, and the cost per funded deal, is in how much MCA leads cost.
Full pricing and the market context is on the buy page. The other three products have their own pages: shared MCA leads, aged MCA leads and live submission data.
Other verticals
$30K–$180K/month, clustered at the lower end for owner-operators
$25K–$120K/month for independents
$50K–$400K/month, with a long tail above
$60K–$300K/month
$40K–$250K/month
$30K–$150K/month for independents, higher for multi-bay collision
$50K–$500K/month, scaling fast in either direction
$30K–$90K/month for a single location
$40K–$300K/month gross, with true margin a fraction of it
$30K–$120K/month for independents and single-location studios
$30K–$180K/month in season, far lower out of it
$60K–$600K/month
$80K–$700K/month gross, with margin a small fraction of it