Stop Overpaying for Ecommerce Finance

Platform lenders charge 40-60% effective rates with daily deductions that crush cash flow. This comprehensive 46-page guide shows you how to access proper business financing and save thousands.

  • Understand 8 types of business finance and exactly when each makes sense for ecommerce
  • Expose the hidden costs of platform lenders (Shopify Capital, Wayflyer, PayPal) - factor rates that equal 40-60% APR
  • Compare banks (6-12% p.a.), non-bank lenders (12-24% p.a.), and specialists with real qualification criteria
  • Learn specialized finance for importers (trade finance) and B2B sellers (invoice finance) that align with your cash flow
  • Get practical frameworks to assess, compare, and implement financing that actually supports growth instead of constraining it
The Complete Guide to Ecommerce Business Financing

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Discover how to escape platform lending traps and access proper business financing that saves you thousands.

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What's Inside The Guide

Everything you need to make informed business financing decisions

Business Loans: The Foundation

Master how term loans work - from 6% secured bank loans to 18% unsecured non-bank options. Learn when fixed repayments make sense versus flexible credit facilities for your growth stage and needs.

Lines of Credit: Flexible Working Capital

Discover revolving credit facilities that let you draw funds as needed, pay interest only on what's used, and align borrowing with actual business cycles. Perfect for managing seasonal variations and opportunities.

Overdrafts: Your Financial Safety Net

Understand when overdrafts work as safety nets for cash flow gaps versus when they become expensive traps. Learn the right sizing and use cases for this convenient but costly option.

Revenue-Based Finance: The Platform Lending Trap

Expose the true costs of Shopify Capital, Wayflyer, and PayPal Working Capital. See exactly how factor rates translate to 40-60% effective APR and why daily deductions create dependency cycles that constrain growth.

Invoice Finance: Unlock B2B Cash Flow

Turn unpaid customer invoices into immediate working capital. Learn factoring versus discounting, when it makes sense for wholesale/B2B sellers, and how to avoid the common pitfalls that make this expensive.

Trade Finance: Purpose-Built for Importers

Discover specialized funding that pays suppliers upfront while giving you extended terms aligned with sales cycles. Access volume discounts, manage currency risk, and avoid tying capital in container shipments.

Understanding Different Lenders

Navigate the Australian lending landscape - banks offering 6-12% but strict criteria, non-bank lenders with 12-24% and flexible approval, specialists for specific situations, and when each makes strategic sense.

Making the Right Choice & Taking Action

Practical decision frameworks for matching your business situation to optimal financing. Includes real case studies, cost comparison tools, and step-by-step implementation plans to transition from expensive to smart funding.