Key Takeaways
- E-2 ecommerce owners with Shopify, Amazon, or WooCommerce stores qualify based on revenue, not visa status
- Inventory financing, marketing budgets, and warehouse expansion are all eligible uses
- The March 1, 2026 SBA rule change bars non-citizens — Bankable funds up to $5M with no citizenship requirement
- Typical ecommerce E-2 investors include Korean Amazon sellers, Chinese Shopify merchants, and British DTC brands
- 48-hour decisions with approval based on 6+ months of consistent platform revenue
The ecommerce sector has become one of the most compelling E-2 visa vehicles because the investment is tangible, the revenue is documented to the cent, and the growth trajectory can be aggressive. Korean-American investors have built eight-figure Amazon brands in categories from beauty products to electronics accessories. Chinese nationals on E-2 visas operate some of the highest-volume Shopify stores in the US. British and Australian investors — two of the top E-2 treaty nations — frequently launch DTC brands targeting the US market from a US entity backed by their E-2 capital.
The economic structure of an ecommerce business makes it uniquely well-suited for revenue-based funding. Your revenue is digital, timestamped, and verified through Stripe, PayPal, Shopify Payments, or Amazon disbursements. There are no cash transactions, no ambiguous tips, no seasonal cash-heavy periods that complicate underwriting. When Bankable underwrites your ecommerce business, we can see your monthly revenue with precision that most brick-and-mortar businesses can’t match.
Where E-2 Ecommerce Capital Goes
Ecommerce growth almost always comes down to three constraints: inventory, marketing, and infrastructure. E-2 sellers who have proven their product-market fit on Amazon or Shopify face the classic working capital trap: to increase sales by 40%, you need to order 40% more inventory 60-90 days in advance. Your customers don’t wait for your cash to cycle. Bankable’s inventory financing tranches are designed exactly for this scenario.
- Inventory purchases: Pre-season or pre-Prime Day inventory buys that require capital 60-90 days before revenue arrives
- Paid advertising scale-up: Facebook, Google, TikTok, and Amazon PPC campaigns that drive revenue but require front-loaded cash
- Warehouse and 3PL costs: Expanding fulfillment capacity to handle growth without stockouts
- Product line expansion: Launching adjacent SKUs that leverage your existing customer base and logistics network
- International market entry: Building US infrastructure for a brand expanding from Canada, Europe, or Asia-Pacific
Revenue Documentation for Ecommerce E-2 Holders
Bankable accepts platform revenue statements directly from Shopify, Amazon Seller Central, Etsy, eBay, and all major ecommerce platforms. We do not require traditional bank statement-only documentation if your platform provides verifiable disbursement records. This is particularly valuable for E-2 ecommerce operators whose bank statements may show aggregated deposits from multiple platforms that look different from their actual revenue picture.
Inventory Financing
Fund seasonal inventory purchases before revenue arrives. Repay as product sells.
Apply Now →Marketing Capital
Scale paid advertising with upfront capital. Revenue-based repayment aligns with campaign results.
Learn More →Working Capital Line
Revolving access to capital for operational cash flow gaps between inventory purchase and sale.
Learn More →Frequently Asked Questions
Yes. E-2 visa holders operating US-registered ecommerce businesses qualify for Bankable funding based on platform revenue. We accept Shopify, Amazon, WooCommerce, and all major platform statements as revenue documentation.
Most Bankable ecommerce clients have $200K or more in annual platform revenue. We evaluate trailing 6-month averages for consistency, not just peak months.
Yes. Amazon FBA inventory financing is one of the most common uses for E-2 ecommerce clients. We can structure tranches timed to your buying cycles.
Bankable does not use your immigration status in credit decisions. We underwrite your business—its revenue, payment history, and operational consistency.
We require a minimum of 6 months of business operation and revenue history. E-2 holders who are in their first year may qualify if they have strong platform revenue documentation.
MCAs charge factor rates of 1.2–1.5x with daily debits. Bankable structures revenue-based tranches with transparent fees and flexible repayment aligned to your actual revenue cycles.
We accept direct platform exports from Shopify, Amazon Seller Central, Etsy, PayPal, and Stripe. These provide more granular revenue data than bank statements alone.
Yes. Sellers operating across Amazon, Shopify, and other platforms can aggregate revenue from all channels for qualification purposes.