E-Commerce Lending, (ABL+) is an Asset-Based Loan where the primary asset is inventory, often accompanied by direct-to-consumer proceeds, credit card sales and accounts receivable that are sold through online merchants and wholesale channels.
E-Commerce Lending
E-Commerce Lending can be supplemental to an Asset-Based Lending structure that provides advances on wholesale accounts receivable or equipment. Republic supports retail locations through our ABL+ approach as well.
Important Factors to Note:
E-Commerce facilities typically require additional due diligence, pre-funding field exams, and third-party collateral appraisals.
Designed for established businesses with annual revenues in excess of $10,000,000.
Republic empowers E-Commerce brands choose how they go to market, often expanding into retail, wholesale or e-commerce during our partnership.
Business
Sustainable Eco-Friendly Clothing Manufacturer based in Los Angeles
Situation
Refinance their existing private credit lender that decided to focus on larger transactions.
Specialized Financial Agreement
Advances on inventory, accounts receivables and online sales to accommodate the omnichannel approach for the manufacturer, including its seasonal inventory for its wholesale and e-commerce strategy.
Results
The facility provides crucial working capital to purchase materials ahead of peak selling seasons, ensuring timely delivery to major retail partners.
Bath Products Supplier
Industry
Natural/E-Commerce
Facility Size
$1,500,000
Business
Natural Bath Products Manufacturer based in North Carolina
Situation
The company sought its first lending partnership for its ecommerce expansion and online direct to consumer sales strategy.
Specialized Financial Agreement
Structured the loan with an accordion facility in the event the company seeks a wholesale or retail expansion strategy in 2025 or 2026.
Results
The company is well-positioned to capitalize on this growing market.
Don’t Just Take Our Word For It
"Republic has fueled our growth. They don't just follow industry standards; they redefine them. Their team's ability to provide unique solutions has been instrumental in our success and they show a genuine interest in seeing us succeed."
Matthew H.,
Food Manufacturer
"Working with Republic has always felt more than just a transaction. They truly understand my company’s needs and provide consistent, personalized support. The relationship we've built is invaluable."
Vanessa R., CEO,
Temporary Staffing
"Republic has become an integral part of which customers support. Their team seamlessly integrates with ours, and we operate as a true partnership. Their responsiveness and commitment to our success are unmatched."
