Revenue-Based Financing · E-Commerce & Consumer

Revenue-Based Financing for E-Commerce &
Consumer Companies

Non-dilutive growth capital structured around your e-commerce & consumer revenue — no equity, no covenants.

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Overview

Revenue-Based Financing for E-Commerce & Consumer

E-Commerce & Consumer companies with $4M–$100M in annual revenue face a common problem: traditional lenders don't understand your business model, and equity investors want too much in return. Revenue-based financing solves this. Repayment is tied to 1–4% of your monthly revenue, so you never face a fixed payment that strains cash flow. E-commerce and consumer brands face unique capital challenges — inventory cycles, seasonal cash flow, and the need to fund growth ahead of revenue. Our revenue-based financing is structured around your actual revenue, making it ideal for brands scaling from $4M to $100M.

How It Works

Our Process

We underwrite based on your revenue trajectory, not EBITDA or hard assets. We provide flexible, non-dilutive capital with repayment tied to 1–4% of monthly revenue. In slower months you pay less; in peak seasons you pay more. No fixed schedules, no personal guarantees. Once approved, capital is deployed in weeks — not the months an equity round requires. Repayment flexes with your revenue: slower months mean smaller payments, stronger months mean faster payoff.

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Why Peers & Co

Built for E-Commerce & Consumer

Zero Equity Dilution

Keep 100% ownership of your e-commerce & consumer business. No cap table impact, no board seats.

Revenue-Aligned Repayment

Pay 1–4% of monthly revenue. Payments scale with your business — lower in slow months, higher in strong ones.

No Covenants or Guarantees

No restrictive financial covenants, no personal guarantees, no hard asset requirements.

Close in Weeks

Streamlined underwriting focused on revenue data. Most deals close in weeks, not months.

Inventory Scaling

Pre-fund inventory for peak seasons or new product launches without cash flow strain.

Paid Acquisition

Scale Meta, Google, and Amazon ad spend ahead of revenue with capital that repays from results.

Also For E-Commerce & Consumer Companies

M&A Advisory
Equity & Debt Capital

E-Commerce & Consumer · Revenue-Based Financing FAQ

Common Questions

How does revenue-based financing work for e-commerce & consumer companies?
We provide $1M–$20M+ in growth capital. Repayment is structured as 1–4% of your monthly e-commerce & consumer revenue over 2–5 years. We provide flexible, non-dilutive capital with repayment tied to 1–4% of monthly revenue. In slower months you pay less; in peak seasons you pay more. No fixed schedules, no personal guarantees.
Do you work with Amazon FBA sellers?
Yes. We work with Amazon sellers, DTC brands, and omnichannel retailers generating $4M+ in annual revenue. We underwrite on revenue history and growth trajectory, not inventory value.
How does seasonal revenue affect repayment?
Repayment is tied to a percentage of monthly revenue, so it naturally scales with your business. During slower months you pay less; during peak seasons you pay more. There are no fixed monthly minimums.
What's the minimum revenue to qualify for e-commerce & consumer financing?
We typically work with e-commerce & consumer companies generating $4M or more in annual revenue with at least 2 years of operating history and a clear growth trajectory.

Ready to Scale?

Let's Talk Revenue-Based Financing

Tell us about your e-commerce & consumer business and what you're trying to achieve. We'll structure the right solution.

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E-Commerce & Consumer Overview

The information on this page is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. All financing is subject to underwriting approval and eligibility criteria. Past performance is not indicative of future results. Peers & Company is a merchant bank, not a registered investment advisor. Consult qualified financial and legal advisors before making financing decisions.