Industry · 10 min read

Project Report for Online Selling (E-commerce) — Inventory, Ads, and Cashflows (2026)

E-commerce/online selling project report: marketplace commissions, returns, ad spend, inventory planning, working capital cycle, and DSCR for bank loans.

CMA Data Guide
Marketplace fee + returns model
Ad spend and contribution margin
Working capital and DSCR

Who this guide is for

  • Marketplace sellers
  • D2C brands
  • Existing sellers seeking working capital

Bank-loan checklist (use this before you submit)

  • Commission/fees and return rate assumptions documented
  • Packaging and shipping cost included
  • Ad spend (performance marketing) included
  • Inventory cycle and cash conversion modeled
  • Gross profit positive and net profit realistic
  • DSCR ≥ 1.50 for term loan cases

FAQs

How to include marketplace commission?

Model it as a percentage of sales (and/or fixed fees) and include returns and refunds assumptions.

What is the biggest financial risk?

Underestimating return rates and ad spend. Keep contribution margins realistic.

Do sellers get CC limits?

Many do for inventory cycles. A clear working capital model improves approval.

Recommended next reads

MUDRA Guide

/mudra-loan-project-report

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