Payability vs SellersFi (2026): Fees, APR and Terms Compared
Short answer: Compare cost and size first. Payability: Reported 2% of gross sales; advances 0.5% to 1% a week; 80% of prior day's payouts; advances up to $250,000. SellersFi: 9.99% to 24.99% APR (line); 3% to 24% fixed fee (Capital Loan); $5K to $2.5M (loans); lines up to $10M. The table and profiles below show who each one suits. Figures come from our full reviews of Payability and SellersFi.
Payability vs SellersFi at a glance
| Payability | SellersFi | |
|---|---|---|
| Lender type | Direct funder buying marketplace receivables | Direct lender to e-commerce sellers |
| Products | Instant Access, Instant Advance, Free Access, Seller Card | Working Capital, Seller Central line and loan, CommercePay, Daily Payout |
| Amounts | 80% of prior day's payouts; advances up to $250,000 | $5K to $2.5M (loans); lines up to $10M |
| Cost | Reported 2% of gross sales; advances 0.5% to 1% a week | 9.99% to 24.99% APR (line); 3% to 24% fixed fee (Capital Loan) |
| Term | Instant Access rolling; advances set at funding | 3 to 24 months |
| Funding speed | As fast as 1 business day | Approval from 24 hours (line: 1 to 3 business days) |
| Founded | 2015 | 2017, as SellersFunding |
| HQ | New York, NY | Weston, Florida |
| Status | Active (checked 2026-10-26) | Active (unconfirmed); off Amazon Lending's 2026 list |
Choose Payability if
Best for: Amazon, Walmart and Newegg sellers doing $10,000+ a month who want most of yesterday's sales in the bank today instead of in two weeks, with no credit check.
Choose SellersFi if
Best for: Amazon and Shopify sellers with 6+ months of history and at least $20K a month in net sales who want working capital (the line and Daily Payout need $250K+ in sales).
Who should skip each
- Payability is not for: Sellers who need a large, cheap or long-term loan, sell mostly off-marketplace, or want a published price. A bank line or SBA loan usually costs less if you qualify.
- SellersFi is not for: New sellers, anyone who needs an exact price before applying, or borrowers who need a responsive lender: a July 2026 review reports weeks without replies, and Amazon no longer lists SellersFi.
Lender List verdict
Payability: Payability turns marketplace payouts into daily cash, and repayment comes out of each payout, so it adjusts to sales. The speed is expensive: a reported 2% fee on gross sales (2.5% in Payability's own example) works out to roughly 65% APR on cash received early, and an Instant Advance at 0.75% a week runs about 85% APR in our example. SellersFi: SellersFi publishes price ranges, from 9.99% APR lines to a 3% to 24% fixed-fee Capital Loan, and its CommercePay advance flexes with Amazon payouts in slow months. Short advances get expensive (about 99% APR in our 16-week example) and 2026 service signals are weak, so confirm it is still funding before you rely on it.
Frequently asked questions
Which is cheaper, Payability or SellersFi? Payability: Reported 2% of gross sales; advances 0.5% to 1% a week. SellersFi: 9.99% to 24.99% APR (line); 3% to 24% fixed fee (Capital Loan). Your actual cost depends on the offer and how fast you repay, so convert any quote with our factor rate to APR calculator. Which funds faster, Payability or SellersFi? Payability: As fast as 1 business day. SellersFi: Approval from 24 hours (line: 1 to 3 business days). How much can I get from Payability or SellersFi? Payability: 80% of prior day's payouts; advances up to $250,000. SellersFi: $5K to $2.5M (loans); lines up to $10M. Read the full reviews: Payability review · SellersFi review. Figures come from those reviews, which cite the lenders' own pages and third-party sources; see our methodology. Updated 2026-10-27. Pricing varies by offer; confirm with the lender before applying.