Why the bank says no
There is no premises, no plant and frequently no significant credit history. A bank's model has nowhere to start.
Inventory sitting in a third-party warehouse is not security a bank will lend against with any enthusiasm.
Many sellers are young businesses. Two years of filed accounts is a normal bank requirement and simply does not exist yet.
What a revenue-based funder reads instead
Platform and processor data is exceptionally good underwriting material — daily, granular and impossible to overstate. A funder reading it knows more about your trade than a bank would learn in a month.
Inventory buying is self-liquidating: the stock becomes the revenue that repays the advance, usually inside the term. That is a shape funders price well.
Ad spend is the other common use, and it is worth being honest that it is riskier — it is funding a bet on acquisition rather than a purchase that converts to stock.
What to have ready before you apply
Six months of business bank statements, plus platform and processor statements.
Deposits consolidated into one business account where possible — multiple channels settling to different accounts fragments the picture underwriting reads.
What the money is for, since inventory and advertising are priced differently.