eBay has integrated Open Banking into its Seller Capital program, giving small business sellers faster and more convenient access to financing. By enabling sellers to securely share real-time financial data with eBay’s trusted lending partners, the integration reduces paperwork and streamlines the funding process, empowering sellers to access growth capital with greater ease.
This move reflects eBay’s commitment to supporting small business success. Open Banking allows sellers, with their consent, to share account balances and cash flow data from outside eBay, giving lending partners a more holistic view of their financial health. With this broader perspective, lending partners can make quicker, more accurate, and more inclusive lending decisions.
For sellers, the benefits are significant: reduced administrative burden, faster approval times, expanded eligibility, and the potential for larger financing offers at more competitive rates. According to a Goldman Sachs survey, 77% of small businesses are concerned about their ability to access capital, underscoring the importance of solutions like this.
The timing is especially relevant for sellers who operate across multiple channels. A report from the Data Catalyst Institute shows that 89% of small and medium-sized businesses sell on marketplaces like eBay, as well as directly to consumers and in-store. Open Banking enables eBay’s lending partners to consider this full financial picture, extending financing opportunities even to previously underserved sellers.
Security and privacy remain central to the initiative. Sellers retain control over their financial data, ensuring it is shared only with consent and protected at all times. This balance of convenience and security enhances trust in the Seller Capital program.
Currently, the integration is available to eligible sellers in the UK and Germany, with plans to expand to the U.S. in Fall 2025. Already in 2025, eBay has provided over $100 million in working capital to more than 10,000 sellers — a clear demonstration of its commitment to helping entrepreneurs grow and thrive.
Overall, the addition of Open Banking marks a major step in eBay’s efforts to make financing more accessible, inclusive, and tailored to the needs of its seller community. By simplifying the path to capital, eBay is empowering small businesses to scale more effectively and compete in dynamic markets.