eBay Seller Capital financing can be used to help your business in a variety of ways, such as buying new inventory, investing in marketing initiatives, renting a retail space, or hiring staff.
How eBay Seller Capital works
eBay works with finance partners YouLend and Liberis to provide eligible eBay sellers with financing. Through the eBay Seller Capital programme, these providers, not eBay, review your application, decide on your eligibility, set the terms, and manage your financing.
If your application is approved, financing up to £1 million by our finance partners may be available to you. The amount you're offered will depend on your business performance, business tenure and sales history.
If your application with our finance partner is successful, the funds will be transferred directly to your verified bank account within 1–2 business days after approval and the contract has been signed.
Applying for financing
If you're eligible for financing, you may receive a personalised offer by email to apply for financing. You can also apply on the eBay Seller Capital page in Seller Hub. Here’s how:
- Go to the eBay Seller Capital landing page - opens in new window or tab. If this page isn't visible to you, you may not be eligible at this time.
- Choose your offer and select Apply now.
- Confirm your details in the application form. If you need to update any details, go to your account settings - opens in new window or tab.
- Submit your application.
Depending on your offer and the finance partner, you may be asked to provide bank statements, or to connect with your bank. Once your application has been submitted, the financing partner will review your details within 48 hours and get back to you with their decision. Your eBay sales, business performance, and any documents you provide will all be taken into account when they reach their decision.
Keep in mind that receiving an offer is not a guarantee that you will be approved for financing. If you receive an offer but your application is declined, contact the finance partner directly.
Tip
If you have any questions about your financing, or if you need to change any of your information, contact your financing partner directly. To contact YouLend, email ebay@youlend.com or phone +44 (0)203 924 7643. To contact Liberis, email info-uk@liberis.com or phone +44 (0)303 313 0070.
Types of financing
Sales-based Financing
If you choose sales-based financing, you'll receive a one-off lump sum. This type of financing is paid as a pre-agreed percentage of your daily eBay gross sales.
Flexible Growth Funding
If you choose Flexible Growth Funding, you'll have access to an account containing your available capital. This is the maximum amount of money you can access at any one time. You can request new funding through your eBay Seller Capital account dashboard - opens in new window or tab. Your available capital will refresh as payments are made towards the outstanding balance.
Choosing your financing
See our comparison table below to help you decide which type of financing meets the needs of your business:
|
Financing |
Type/Payout |
How you pay |
Fee |
Best for |
|
Sales-based Financing |
One-time lump sum paid to your bank account |
Fixed percentage of daily eBay gross sales |
Single fixed fee |
Sellers seeking one-off working capital for a specific purpose, for example, stock, ads, storage. |
|
Flexible Growth Funding |
Available capital with multiple fundings allowed, each paid to your bank account |
Fixed percentage of daily eBay gross sales on each funding |
Single fixed fee per funding |
Sellers who need ongoing access to working capital and funds available when needed |
You can have one active Seller Capital financing type per eBay account at a time. It may be possible for some sellers to combine revenue from multiple eBay accounts for a larger offer during the application process. The finance partner you are applying with can confirm if this option is available to you.
Tip
For FAQs and more information about how this programme works, take a look at our eBay Seller Capital - opens in new window or tab website.
Topping up your financing
If you’ve paid a significant portion of your existing financing, you may become eligible to top up your financing. If you're eligible, you'll receive an email or see a new offer in the Seller Capital Dashboard - opens in new window or tab.
For Flexible Growth Funding, you can request more financing, if it's available to you, through the Seller Capital Dashboard - opens in new window or tab.
If more financing is available, you'll see the option to renew your financing in the top right-hand corner. Start the application and confirm your details to apply for additional financing.
Payments
If you have chosen a sales-based financing, you'll pay a fixed percentage of your daily gross sales on eBay. Your gross daily sales include taxes, postage costs and any other fees associated with your orders.
We calculate your daily payment using the payment percentage we received from our financing partner. Your payment rate is displayed on the Seller Capital dashboard in Seller Hub and can also be found in your financing agreement. We'll then deduct payments from your available funds each day before sending payouts. Don't worry - we'll never deduct more than what you have available, regardless of your calculated payment amount.
eBay Seller Capital payments estimator
Before applying for financing, you can use our eBay Seller Capital payments estimator - opens in new window or tab to see an estimate of what your payments may be. Simply enter your details, including your preferred financing amount, to see an estimate based on the information you provided. It's important to remember that the calculator provides an estimate — your payments may be different when you receive financing.
You can also see an example of eBay Seller Capital payments in the table below. The example shown is for a seller who received £20,000 and is based on a daily payment percentage of 10%.
|
Day |
Daily gross sales |
Payment amount |
Outstanding financing balance |
|
1 |
£500 |
£50 (10% of £500) |
£19,950 (£20,000 - £50) |
|
2 |
£2150 |
£215 (10% of £2150) |
£19,735 (£19,950 - £215) |
|
3 |
£50 |
£5 (10% of £50) |
£19,730 (£19,735 - £5) |
|
4 |
£1000 |
£100 (10% of £1000) |
£19,630 (£19,730 - £100) |
|
5 |
£1500 |
£150 (10% of £1500) |
£19,480 (£19,630 - £150) |
Tip
Taking out financing and not paying may affect your credit score. If payment via your eBay sales is no longer possible, your finance partner will reach out to discuss different payment options.
Viewing your financing details on eBay
You can view your eBay Seller Capital - opens in new window or tab details at any time in Seller Hub, My eBay or on the eBay app. You can also find more details about the financing offers that may be available if you are eligible, pre-qualified or pre-approved. Here's how:
On the eBay app:
- Open the app and select My eBay from the menu.
- Tap Payments.
- Tap eBay Seller Capital.
In Seller Hub:
- Select the Payments tab.
- Select Seller Capital on the left-hand side.
In My eBay:
- Select Account.
- Select Payments.
- Select eBay Seller Capital.
Troubleshooting payments issues
If a payment didn't process, there are a few reasons why this may have happened:
- No sales – If you haven't made any sales on a particular day, we won't remit any payments for that day
- Negative account balance – If the balance in your Total funds or Available funds is negative, your payouts and financing payments will be blocked. If this is due to a transaction hold, your payouts and payments will resume once the holds are released. See our Payments on hold help page for more information
- Payment dispute or Payout holds – If you have a Payment dispute hold or Payout hold related to registration, compliance or tax, your payments may be canceled. See our Payments on hold page for more information
- Incorrect payment amount – Review your payment rate and the gross sales for that day. If the amount still seems to be incorrect, we recommend contacting your financial provider for details on how it was calculated
If your payment issue still isn't resolved, we recommend contacting your financial provider directly.
Fees
You won't be charged origination fees, late fees or early payment fees by YouLend or Liberis. There is only a pre-agreed fee on the financing amount. For Flexible Growth Funding, a fee will be charged for each funding you request.
If you choose to make extra one-off payments or pay your remaining balance in full, you won't be charged any extra fees. If your financing includes a one-time fixed fee, paying early (in part or in full) won't reduce that fee - the total fee stays the same.
The terms of financing, including applicable fees, are set by the finance partner and the details are outlined in your financing agreement. You can find a copy of your financing agreement in your confirmation email and you can also request another copy from your financial provider. We recommend reviewing the terms and conditions of your financing agreement before agreeing to any financing.
Closing or cancelling your financing
If you would like to cancel before or after receiving financing, contact the financing partner directly.
If you've stopped selling on eBay, sales-based payments reduce automatically when sales decrease. If you have no sales on eBay, the finance partner may reach out to you to arrange different payment methods.
To fully close your financing, please contact your financing partner directly to pay the remaining balance.