MCA Relief for E-Commerce & Amazon Sellers
Your Payout Is Funding Someone Else's Advance.
Amazon, Shopify, and third-party funders all offer cash advances against your future sales, and it's easier than ever to stack them without realizing it. Spearpoint helps e-commerce operators settle stacked advances and get their payouts back.
Why E-Commerce Sellers Get Stacked So Fast
Amazon now runs its own merchant cash advance program directly inside seller accounts, offering up to $10 million with no credit check. Shopify, PayPal, and a dozen third-party funders do the same. The offers show up automatically, based on your sales history, and they're easy to accept without fully registering what you just signed up for.
The result: sellers routinely carry advances from two or three sources at once, each one taking a cut of the same revenue stream, without realizing the positions are stacked until the combined debits outrun what's left after inventory, ads, and fees.
We untangle every position first
Before we negotiate anything, we map every advance against every platform: what's owed, who has a lien, and whether a UCC-1 was actually filed, since many sellers don't realize one has been placed against their business even on a "no credit check" advance.
Built around how your payouts actually work
Marketplace payouts don't look like a restaurant's daily sales. We build your plan around your actual settlement cycle, not a generic daily-debit assumption.
Legal support when you need it
When your case calls for a lawyer, we coordinate it through our nationwide attorney network, so you're never facing a funder's legal team alone.
What We Know About E-Commerce Financing
Marketplace financing looks different from a bank loan, and it hides risk in places most sellers never check.
The advance in your Seller Central account isn't from Amazon
Amazon Lending's cash advance offers are funded and administered by a third-party fintech partner (Parafin in the U.S.), not Amazon itself. Amazon supplies the eligibility data and the interface; the debt is owed to the funding partner.
Repayment comes out before the payout reaches your bank
These advances are repaid as a fixed percentage of your Gross Merchandise Sales, deducted automatically before the net payout is disbursed to you. A slow sales period doesn't just reduce your payout, it can shrink it dramatically without you actively missing a payment.
A UCC-1 often gets filed, even on a "no credit check" advance
Marketing copy that says no credit check or no personal guarantee doesn't mean no lien. Many advances still involve a UCC-1 filing against your business assets and receivables, whether or not the seller realizes it at the time.
Reserve holds stack on top of MCA debits
Platforms can place a reserve, holding back a percentage of sales for returns or disputes, at the same time a funder is taking its cut. Two holds pulling from the same revenue is what turns a manageable advance into a cash crisis.
Stacking across platforms is easy to do without noticing
A marketplace-embedded advance, a Shopify Capital advance, and a third-party MCA can all be active at once, each calculated against the same underlying revenue. Nothing forces one funder to know about the others.
Underwriting is based on gross sales, not what you keep
Advances are often sized off gross revenue, before refunds, chargebacks, and ad spend come out. That gap is exactly where the payment becomes unaffordable, months after the offer looked easy to accept.
Questions E-Commerce Sellers Ask
Can you help with the cash advance in my Amazon Seller Central account?
Yes. Amazon Lending's cash advance offers are funded by a third-party financial partner, not Amazon itself, but repayment still comes out of your marketplace payouts. We negotiate these the same way we do any other merchant cash advance.
Will this get my account suspended?
Settling business debt is separate from your platform's terms of service. We can't make promises about account status, but we plan around your operations staying active wherever possible, and talk through your specific risk in your free consultation.
What if I'm stacked across a marketplace advance, Shopify, and a third-party MCA at the same time?
This is exactly what we work on. We map every position together and settle them in a deliberate order, instead of one funder at a time with no plan.
Does this work if my business is fully remote or home-based?
Yes. Nothing about the settlement process requires a storefront or a fixed location. Most of the sellers we talk to run their business from wherever they are.
Get Your Payout Back
Tell us about your advances. We respond personally within 30 minutes during business hours. Free, confidential, and no obligation.
Talk to Robert →