# E-commerce MCA: Shopify and Stripe integration > E-commerce MCA integrates directly with Shopify, Stripe, Amazon, BigCommerce, and WooCommerce — pulling sales data via OAuth, sizing offers off platform GMV, and collecting via processor split or daily ACH. E-commerce merchant cash advance in 2026 is structurally different from brick-and-mortar MCA: the data feed is API-direct, the merchant has no physical address risk, and chargebacks behave differently. Specialty funders and platform-native capital programs dominate the space. **Platform-native capital programs.** - **Shopify Capital.** Offers based on Shopify-platform GMV; factor 1.08–1.18; repayment as % of daily Shopify sales (no fixed minimum). Pre-approved offers visible inside admin. - **Stripe Capital.** Same model for Stripe-processing merchants; offers based on Stripe-processed volume; factor 1.07–1.16. - **Amazon Lending.** For FBA sellers; based on Amazon sales history; factor 1.05–1.14; deducted from Amazon disbursements. - **PayPal Working Capital.** % of PayPal sales as repayment; factor 1.05–1.18. - **Square Capital.** For Square-processing merchants (online + in-person); factor 1.10–1.16. - **BigCommerce Capital.** Partner program with third-party funders. **Third-party e-commerce MCA funders.** Aggregate cross-platform data (Shopify + Stripe + PayPal + Amazon + Etsy + Walmart Marketplace) to underwrite total merchant velocity: - 8fig. - Wayflyer. - Clearco (formerly Clearbanc). - Settle. - Parker. - SellersFi. - Uncapped. **Underwriting data they pull (with OAuth merchant consent).** - Trailing 12-month gross merchandise value (GMV). - Net revenue after refunds, chargebacks, platform fees. - Customer acquisition cost (CAC) trends. - Average order value (AOV) and repeat-purchase rate. - Inventory turn (if Shopify Inventory or similar). - Ad spend ROAS from connected Facebook, Google, TikTok Ads accounts. **Why this beats traditional MCA for e-commerce.** - **Speed.** Pre-approval in minutes from API data, no bank statement upload. - **Cost.** Factor 1.05–1.18 vs. 1.30–1.45 for ISO-brokered MCA. - **Repayment elasticity.** % of sales model auto-adjusts to slow weeks. - **No personal guarantee** at many platforms (Shopify Capital, Stripe Capital sub-$50K). **Where third-party e-commerce funders beat platform-native.** - Larger advance amounts ($250K–$10M vs. platform caps of $50K–$2M). - Cross-platform aggregation (Shopify + Stripe + Amazon combined). - Inventory-specific structures (PO financing, container financing). - International merchants (platform programs are US-only mostly). **Worked comparison: $100K need for inventory load.** - **Shopify Capital.** $100K at 1.12 factor = $112K total. Repaid as 10% of daily Shopify sales until paid. No fixed term. - **Wayflyer.** $100K at 1.10 factor over 6 months = $110K total. Daily ACH, optional revenue-share. - **Generalist ISO MCA.** $100K at 1.38 factor over 9 months = $138K. Daily ACH at fixed amount. Platform-native typically wins on cost; third-party wins on amount and flexibility. **Chargeback handling.** E-commerce MCA accounts for chargebacks differently than physical-retail MCA: - Funder takes % of *net* sales after chargeback clawbacks. - Chronic chargeback rate >2% triggers underwriting flag. - Friendly fraud spike can default the MCA without merchant fault. **Common confusions.** First, "all e-commerce MCA is platform-locked." False — third-party funders aggregate across platforms. Second, "platform capital has no cost." False — factor of 1.10–1.18 is the cost; just lower than ISO MCA. Third, "Amazon FBA sellers should use Amazon Lending only." Often true for sub-$500K needs; larger sellers diversify to 8fig, Wayflyer, SellersFi. Fourth, "Shopify Capital reports to credit bureaus." Generally no — these are merchant agreements, not commercial loans. Fifth, "you can stack platform capital with third-party MCA." Risky — some platform agreements prohibit subordinate financing; check the contract. **2026 trends.** - AI underwriting compressing time-to-offer to under 60 seconds. - Real-time inventory and ad-spend data feeding offer sizing. - Subscription-revenue (SaaS, DTC subscription) underwriting maturing. - TikTok Shop integration for capital offers piloting. - Tariff-disruption risk pricing emerging post-2025 trade shifts. ## Related terms - [Merchant cash advance (MCA)](https://fundnode.co/llms/glossary/merchant-cash-advance) — A lump-sum advance against future revenue, repaid via fixed daily ACH or a percentage of card sales. Legally a sale of future receivables, not a loan. - [Split funding (lockbox MCA)](https://fundnode.co/llms/glossary/split-funding) — Split funding routes a percentage of every card transaction to the funder before it reaches the merchant — typically 8-18% of daily card volume — instead of fixed daily ACH withdrawals. - [Revenue-based financing (RBF)](https://fundnode.co/llms/glossary/revenue-based-financing) — Revenue-based financing (RBF) advances capital in exchange for a fixed percentage of future revenue until a multiple of the principal is repaid. No equity, no interest rate. Popular for SaaS (Capchase, Pipe), e-commerce (Wayflyer, Clearco), and processor-embedded products (Stripe Capital, Shopify Capital). - [Working capital](https://fundnode.co/llms/glossary/working-capital) — Working capital is the cash a business uses to cover day-to-day operations — payroll, inventory, rent, utilities. Calculated as current assets minus current liabilities. Most MCA + LOC products are positioned as working-capital financing. ## Authoritative sources - [Shopify Capital — Program Overview](https://www.shopify.com/capital) - [Stripe Capital — Program Overview](https://stripe.com/capital) --- Source: https://fundnode.co/glossary/ecommerce-mca-shopify-stripe-integration (HTML version) Document: E-commerce MCA: Shopify and Stripe integration — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.