E-commerce & Inventory Financing
If you sell on Amazon, Shopify, Walmart or your own store, your cash is often stuck in inventory or waiting on payouts. Financing built for e-commerce looks at your sales data instead of only your credit score. Here's how the main types compare and which lenders offer them.
Pick the type that fits your cash gap
| Your situation | Type of financing | How it's usually repaid |
|---|---|---|
| You need to pay a supplier deposit or reorder inventory | Inventory or supplier financing | Fixed fee or term, repaid as inventory sells |
| Your marketplace holds your payouts for days or weeks | Marketplace payout advances | Taken from upcoming payouts |
| You want to fund inventory and ads together | Revenue-based financing | A share of your revenue until a fixed fee is repaid |
| Your platform offered you money | Platform-embedded capital | A share of each sale on that platform |
| You want predictable fixed payments | Online term loan or line of credit | Fixed weekly or monthly payments |
Lenders on Lender List
Revenue-based financing: Wayflyer, Clearco, 8fig, Onramp Funds
Inventory and supplier financing: Kickfurther, Settle
Marketplace payout advances: Payability
Platform-embedded capital: Shopify Capital, PayPal Working Capital, Stripe Capital, Square Loans, Parafin
Term loans and lines of credit for online sellers: SellersFi, Uncapped, Slope, Lendistry, QuickBooks Capital
Large purchase orders: SouthStar Capital, King Trade Capital, Star Funding, Bridge
What to compare
- Total cost, not just the fee. A flat 6% fee repaid in three months costs far more per year than the same fee over a year. Check the estimated APR on each listing, or use our APR calculator.
- What happens in a slow month. Sales-based repayment shrinks when sales drop. Fixed payments don't. Every listing shows "Flexibility in slow months."
- How payments are collected. Some lenders take a share of payouts, others debit your bank account.
- Personal guarantee and liens. Some e-commerce financing requires neither, some requires both.
- Renewal terms. Platform offers can change from one round to the next. Compare a renewal offer as if it were a new one.
Before you apply
- Have recent sales reports from each marketplace and your bank statements ready.
- Work out how fast the inventory you're buying will sell. Financing that must be repaid before inventory sells puts pressure on cash.
- Plan for tariffs, shipping delays and returns, which can stretch your cash cycle.
Browse all e-commerce and marketplace lenders
Compare e-commerce and inventory lenders
| Lender | Type | Amounts | Cost | Funding speed |
|---|---|---|---|---|
| 8fig | Direct e-commerce funder (future-revenue purchase, not a loan) | $10,000 to $10 million | Flat fee of 6% to 10% (about 35% to 77% APR, Lender List estimate) | Offer in hours or within 1 to 2 days of onboarding |
| Clearco | Direct funder (own balance sheet and credit facilities) | Up to $10 million per brand | Flat fee from 3.5%; about 28% to 30% APR on Clearco's examples | Review in as little as 24 hours |
| Kickfurther | Inventory funding marketplace (consignment, not a loan) | $20,000 to $5M+ per deal; up to 100% of inventory cost | 5% funding fee (as low as 2% with strong repayment history) + monthly consignment fee from about 2.2% | Approval in about 72 hours; live deals usually fund within days |
| Liberis | Direct funder; revenue-based cash advance, not a loan | $500 to $1,000,000 (Business Cash Advance); $5,000 to $2,000,000 (Flexible) | One fixed fee, not published; about 53% to 73% APR in our 1.2-factor example | Same-day decisions possible; often funded within one working day |
| Onramp Funds | Direct lender (revenue-based financing) via affiliate eCommerce Funding, LLC | $10K to $2M | Flat fee, 9% in Onramp's examples (site also says 2% to 8%); about 64% to 75% APR (Lender List est.) | Offer in about 2 hours; funds in under 24 hours to 2 business days |
| Parafin | Embedded-finance fintech; loans issued by Celtic Bank | $500 to $10M at Amazon launch (2022); up to $2M on TikTok Shop | One flat fee; sellers report 10% to 15%. A 10% fee is about 13% to 31% APR (Lender List est.) | 1 to 2 business days after approval |
| Payability | Direct funder buying marketplace receivables | 80% of prior day's payouts; advances up to $250,000 | Reported 2% of gross sales; advances 0.5% to 1% a week | As fast as 1 business day |
| Payoneer Capital Advance | Direct provider; purchase of future receivables by Payoneer | Up to 140% of average monthly payouts, capped at $750,000 ($80,000 for freelancers and SMBs) | One fixed fee of 1.5% to 10%; about 47% APR in our example | Funds typically within minutes of accepting |
| PayPal Working Capital | Sales-based loan from WebBank, offered through PayPal | $1,000 to $250,000; up to $400,000 for repeat borrowers | One fixed fee, not published; about 25% to 34% APR in our example | Decision in seconds; funds within minutes |
| QuickBooks Capital | In-software lender; loans issued by WebBank | $1,500 to $250,000 (term loan); $1,000 to $100,000 (line) | 9.99% to 36% APR (term); 13.49% to 35.99% APR (line) | Decision in as little as 30 seconds; funds in 1 to 2 business days |
| SellersFi | Direct lender to e-commerce sellers | $5K to $2.5M (loans); lines up to $10M | 9.99% to 24.99% APR (line); 3% to 24% fixed fee (Capital Loan) | Approval from 24 hours (line: 1 to 3 business days) |
| Settle | Payables platform and direct lender (own credit facilities) | $20,000 to $15 million | 12% to 24% APR (lender-stated), simple interest | Eligibility in as little as 1 to 3 business days; funds usually a few days after approval |
| Shopify Capital | Platform-embedded business loans (U.S.) | Up to $2M | Fixed fee (e.g. 13%) or monthly fee (e.g. $1,400 on $100,000) | Review in 1 to 3 business days; funds in as little as 2 business days |
| Slope | Fintech platform; loans made by Lead Bank (Member FDIC) | Up to $5 million (Amazon); $5 million and up (Walmart); no minimum stated | From 8.99% APR (Amazon) or 10% APR (Walmart); maximum not published | Amazon decisions often in minutes; Walmart funds in as little as 24 to 48 hours |
| Square Loans | Bank-issued flat-fee loan | $100 to $500,000 | One flat fee; 10% to 16% (third-party) | Next business day; instant to Square Checking |
| Stripe Capital | Platform lender: bank loans (Celtic Bank, Lead Bank) or cash advances (YouLend) | No published maximum; Stripe samples $15,000 to $25,000 | One flat fee, 10% in samples; about 13% to 38% APR (our estimate) | 1 to 2 business days after approval |
| Uncapped | Online e-commerce lender | $10K to $2M direct; up to $5M via Amazon Lending | Fixed fee from 0.7% a month (third-party: up to 1.5%) | Decision within 24 hours |
| Walmart Marketplace Capital | Platform program: Walmart's own merchant cash advance plus third-party providers | Not published; sized from Walmart sales (Payoneer: up to $750,000) | One flat fee, not published; about 29% APR in our 10% example | As little as 24 hours; typically within 2 business days |
| Wayflyer | Direct non-bank lender | $10,000 to $20 million | One flat fee, typically 5% to 10% (about 20% to 39% APR over 6 months) | Decision within hours; funds 1 to 3 business days after signing |
| YouLend | Direct funder of sales-based merchant cash advances, mainly via partners | Up to $2 million ($1,000 to $1 million in the FreshBooks program) | One fixed fee, not published; about 26% to 36% APR in our example | Approval in as little as 24 hours; funds as little as 48 hours later |
From each lender's Lender List review (Lender List est. where noted). Updated 2026-10-27. Confirm terms with the lender. Compare two side by side: Clearco vs Wayflyer, Shopify Capital vs Clearco, 8fig vs Wayflyer, Payability vs SellersFi, Kickfurther vs Onramp Funds.
E-commerce financing FAQ
What is the cheapest way to finance inventory for an online store? If you qualify, a bank line of credit or SBA loan is usually cheapest. Among online options, compare the flat fee against how fast you'll repay: a 6% fee repaid in equal weekly payments over four months is about 34% APR, and the same fee repaid over two months is about 61% APR. Does revenue-based financing require a personal guarantee? Many revenue-based lenders for e-commerce skip personal guarantees and blanket liens, but not all. Check each review's Personal guarantee and Collateral fields before you apply. Can I get financing if I sell only on Amazon? Yes. Several lenders underwrite from Seller Central data and repay from your Amazon payouts, and marketplace payout advances pay out sales before Amazon releases them. How fast can an e-commerce brand get funded? Platform offers such as Shopify Capital or Stripe Capital can fund in one to two business days. Revenue-based lenders typically decide within a day and fund within a few days of signing. What happens if my sales drop? With a percentage-of-sales repayment, payments fall with revenue. With a fixed weekly or daily payment, they don't, so ask whether the lender offers reconciliation or payment pauses. This page is general information, not financial advice. Confirm terms with each lender.