Introducing Flexible Cash Advance
Get fast access to on-demand funding and only pay for what you use.
- What is Flexible Cash Advance?
- Benefits
- How to apply
- FAQs
What is Flexible Cash Advance?
eBay Seller Capital recently launched Flexible Cash Advance, a new financing option designed to help you easily get the funds you need for your business. Once approved, you’ll gain access to your financing portal that can potentially hold $5,000 to $2 million in available capital. You can take out multiple advances up to the maximum available capital as often as you need, without new applications or approvals for each advance.
This isn’t a loan and there is no interest. You’ll be charged a fixed fee every time you take out an advance from your available capital. Also, unlike a term loan that has fixed monthly payments, Flexible Cash Advance is paid on a pre-agreed percentage of your gross sales on eBay.
As you sell, you’ll be able to access more funds up to your approved limit. This makes it easier to buy inventory, manage cash flow, and invest in advertising to grow your business.
Benefits
- Easily access the funds you need with a click — available whenever you want
- No need to re-apply every time you need more funding
- Only pay for what you use
- No interest, no impact on credit score, no stress
How to apply
Some sellers might receive a pre-approved offer in advance; if you don’t receive one, you can always apply with eBay's financing partner. After filling out the application, you could be approved within 24 hours and given access to your financing portal, where you’ll see your available capital. From there, you'll be able to access funds as needed, and you’ll only pay fees on the amount you use. Any unused funds can be accessed via your financing portal for future use. Any unused funds will remain in your financing portal at no extra cost for future use.
FAQs
Is eBay the provider of Flexible Cash Advance?
No, this financial product is offered by Liberis, an eBay Seller Capital partner.
How is Flexible Cash Advance different from a Business Cash Advance?
Business Cash Advance is an advance on your sales which gives you access to a lump sum of capital upfront once approved. This is not a loan — the cost comes in the form of a fixed fee, not interest. Also, unlike a term loan that has fixed monthly payments, Business Cash Advance is paid on a pre-agreed percentage of your gross sales. You only pay for the advance when you sell and if you need more funds in the future, you’ll have to apply for a renewal.
Flexible Cash Advance provides you with ongoing access to a pre-approved amount of available capital that you can access whenever you need through your financing portal. You can take out multiple advances up to the maximum available capital without new applications or approvals for each advance. This is not a loan — the cost comes in the form of a fixed fee, not interest. Also, like a Business Cash Advance, Flexible Cash Advance is paid on a pre-agreed percentage of your gross sales. You only pay for the advance when you sell.
What is Liberis?
In general, you’re eligible for an Flexible Cash Advance if you have:
- Been actively trading for at least 12 months, with an average transaction amount of at least $500 per month during that time
- Processed an average of 8 sales transactions or more over the past 12 months, and made at least 1 transaction in the last 3 months
- Completed at least one sales transaction in the last 3 months and have not been declined from any Liberis product during that time
- Flexible Cash Advance may not be available for reasons other than the above. In which case, please contact eBay’s financial partner, Liberis, directly at info-us@liberis.com or (470) 582-1130.
What are the fees?
Flexible Cash Advance is designed to be fair and simple. Signing up and gaining access to your financing portal is free, and there’s no commitment to use funding from it.
You’ll only pay a fee when you take funds from your financing portal. The fee is a set price and you do not accrue any interest. You only pay for what you use.
How are my payments calculated?
Flexible Cash Advance is powered by 20% of your daily eBay gross sales. This means you only pay when your customers pay, and not if you don’t make any sales.
Will this impact my credit score?
No. As part of its assessment of your application for funding, Liberis carries out a soft credit pull which will not impact your consumer credit score.
When will I receive my financing?
Liberis may provide decisions in under 24 hours. Depending on your bank, your deposit could be available as soon as the next business day after financing approval.
Boost your sales in Canada with eBay International Shipping
Sell your listings to a larger audience with eBay International Shipping managed exclusions.
- What you need to know
- How it works
What you need to know
If you sell items in Canada through the eBay International Shipping program, eBay's got great news. The item value limit (excluding taxes, duties, and shipping fees) on transactions to Canada will soon increase from $2,500 to $11,400. This is applicable to orders shipped individually or through combined shipping, so more of your eligible listings will soon be available to buyers in Canada.
How it works
The increased item value limit will automatically apply to your eligible listings, and there’s no action you need to take. When you make a sale, just ship your item to eBay shipping hub here in the US, and eBay’ll handle the rest.
To learn more about the program, its benefits, and how enrollment and eligibility work, visit the eBay International Shipping page.