Purchase Financing – Fast, Flexible, Growth-Oriented!
With fulfin, you quickly secure liquidity for reorders – without bottlenecks or restrictions. No out-of-stock risk, flexible repayment, fast payouts – and all without collateral. This way, you remain capable of delivering and scale your business without limits!
Fast & easy financing with fulfin
Your financing request at fulfin is absolutely non-binding, confidential and you will receive an offer within 48 hours.
Who is purchase financing suitable for?
With our straightforward financing solution, we offer fast and flexible funding – whether for growth, inventory, or purchase financing.
E-commerce retailer
We know the e-commerce market and understand your potential precisely. With our tailored financing solutions, we support you in scaling your business efficiently.
E-commerce service provider
We analyse your payment flows via digital account access (“Open Banking”). This secure and regulated process enables fast and transparent financing for your business.
D2C brands
As entrepreneurs ourselves, we understand what truly matters. Beyond traditional bank financing, we offer flexible solutions to finance your growth in a targeted way.
What can you use purchase financing for?
Buy in larger quantities
Scaling
Take advantage of better purchasing conditions through larger order quantities and secure better prices from your suppliers.
Test new suppliers
Optimise
Expand your supplier network without fully committing your budget or taking on financial risks.
Extend payment terms
Cashflow
Create more financial flexibility by shopping early and distributing your payment burdens flexibly.
Mitigate sudden price increases
Security
React quickly to rising purchase prices and secure the goods you need without unnecessarily burdening your liquidity.
Fulfin, the preferred financing partner for e-commerce
Quick Financing
Our digital application process is quick and straightforward—much more efficient than traditional banks.
Stay in full control
Gain liquidity without giving up equity in your company – unlike with venture capital.
Optimised for e-commerce
Our digital platform is specifically tailored to the needs of online retailers.
Stronger partnerships
Our financing supports stable supplier relationships and gives you full flexibility for your business.
Flexible use
Our financing is not earmarked – you decide how to use the capital.
Stable liquidity
With our support, financial bottlenecks will be a thing of the past.
Fast & easy financing with fulfin
Your financing request at fulfin is absolutely non-binding, confidential and you will receive an offer within 48 hours.
FAQ: Everything you need to know at a glance – Financing for e-commerce
If you can’t find the right answer here: Ask the fulfin team!
Do you still have questions? Then please contact our team!
Which e-commerce companies can apply for financing?
Fulfin provides fast, secure, and straightforward growth financing to online SMEs, such as e-commerce retailers, D2C brands, and e-commerce service providers. We prioritize solid business development, stable revenue and earnings, and a strong liquidity position.
Our growth financing is never earmarked and can be used flexibly for marketing activities, inventory procurement, product development, personnel costs, or other purposes.
What conditions must be met for financing?
Fulfin has a few minimum requirements you must meet to work with us:
- Your company headquarters must be in Germany
- Your company has been in existence for at least 6 months
- Your average monthly revenue must be at least €10,000
If you meet the above requirements, the fulfin team looks forward to your inquiry.
Do you have further questions or would you like a consultation? Then please call the fulfin team at +49 89 215375920. They will be happy to assist you!
What documents are required?
The lower the loan amount you request, the fewer documents fulfin requires.
Your business bank accounts can be securely and easily connected to us via API. All other documents can be quickly and easily uploaded digitally in our online application process.
We require the following documents and information for each loan amount:
€5,000 – €50,000:
- Transactions from your business accounts for the last 180 days
€50,001 – €250,000:
- Bank statements: List of all liabilities (amount, remaining term, monthly payment, and any special repayment methods)
- Transactions from your business accounts for the last 180 days
- Current business analysis (BWA) and trial balance (SuSa) – no older than 3 months and covering a period of at least 6 months, including the BWA and SuSa for the entire previous year
Does applying for a loan affect one’s credit rating?
Applying for financing through fulfin has no impact on your or your company’s Schufa score. Only a credit-neutral inquiry is submitted, which cannot be viewed by other companies. This inquiry allows us to expedite the credit analysis.
While your company’s creditworthiness is factored into the credit analysis, it is only decisive if there are serious negative indicators, such as problems repaying previous loans, garnishments, or similar issues.
Is the financing earmarked for a specific purpose?
Since you know your business best, you also know best what measures are needed for successful growth. That’s why fulfin’s growth financing is not earmarked for any specific purpose.
You can use the disbursed loan flexibly for marketing activities, purchasing goods, product development, personnel costs, or anything else.
What financing amounts are possible?
The growth financing provided by fulfin ranges from €5,000 to €250,000.
As a rule of thumb, the amount of financing approved is typically around 10-25% of annual revenue. As your company grows and annual revenue increases, the potential loan amount generally rises as well.
The amount and term of the potential growth financing depend on many different factors and are only precisely determined after a risk assessment.
How are the fees calculated?
Our fees are calculated as a percentage of the loan amount and start at a fixed rate of 0.99% per month.
The fee amount depends on various factors, such as the loan amount, the number of installments, the loan term, and any payment holidays.
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