Typical funding range
$10,000 – $500,000 — that's the band most e-commerce in New York fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.
What funders look for
- Platform lenders (Shopify Capital, Wayflyer, Clearco) often beat generalist MCA pricing
- 6+ months operating typical floor for MCA
- NYDFS disclosure law applies — APR-equivalent disclosure required
- Strong platform metrics (review velocity, low return rates) help underwriting
What to bring to the application
The faster you can ship these to a funder, the faster you close. Most underwriting decisions for e-commerce in New York happen in 2–4 hours once docs are complete.
- Last 3–6 months business bank statements
- Platform export (Shopify, Amazon Seller Central)
- Voided business check
- Driver's license for the majority owner
The math
A typical e-commerce deal in New York lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.
Frequently asked questions
- Does the NY disclosure law cover Shopify Capital?
- Yes — Shopify Capital is structured as sales-based financing and NYDFS rules apply. Expect cleaner disclosure than pre-2024 deals.
- Should a Brooklyn DTC brand use Wayflyer over a generalist MCA?
- Usually yes, if you're at $50K+/mo with strong gross margin. Wayflyer underwrites off platform data and prices tighter than generalist MCA.
- Can a Manhattan Amazon FBA seller fund inventory pre-Q4?
- Yes, this is one of the highest-fit use cases. Inventory loaded August/September pays back from October–December revenue. Run cash-flow math before signing — daily ACH starts immediately, but Amazon deposits arrive on 14-day cycles.
Related guides
- Restaurant MCA in New York — state hub
- Restaurants funding in New York — $15,000 – $300,000
- Retail funding in New York — $10,000 – $250,000
- Professional Services funding in New York — $15,000 – $400,000
- Healthcare funding in New York — $25,000 – $500,000
- Construction funding in New York — $15,000 – $400,000
- E-commerce funding in Florida — $10,000 – $500,000
- E-commerce funding in Texas — $10,000 – $500,000
- E-commerce funding in Georgia — $10,000 – $500,000
- E-commerce funding in California — $10,000 – $500,000