Revenue-Based Financing for eCommerce: What Each Provider Publishes

Revenue-based financing lets you repay as a share of sales rather than on a fixed schedule, which is why it suits eCommerce businesses with uneven months. The published floors in this category range from $10,000 a month to $100,000 a month, so the first question is which providers will take you at all.

This page compares the providers a US eCommerce seller can actually approach, on what each one publishes about eligibility, repayment and cost. Everything was read from each company's own website or help center on 4 September 2026, and Onramp Funds' fee example was updated on 17 September 2026. Where a company publishes no figure, this page says so rather than estimating one.

What each provider publishes

Onramp Funds

Onramp Funds requires a legal US business entity, at least $10,000 in monthly sales and at least six months of selling history, with no personal credit check. It supports nine selling platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe.

Three repayment structures are published. The variable option repays as a share of sales that moves with revenue. The fixed option repays weekly or every two weeks over one to twelve months. The rolling cash line is a revolving capacity that grows with sales.

On cost it publishes a number, which most providers here do not. The fee is flat, disclosed upfront, and non-compounding, as low as 9% of the funded amount ($4,500 on $50,000). Subject to credit eligibility; rates and terms may vary. Longer terms cost more, and your offer states the exact fee. Repayment is remitted as a percentage of daily sales, with no monthly minimums.

To see what an advance would cost against a specific inventory or ad plan, the eCommerce Funding Calculator sizes the capital need, applies an example fee for the term you enter, and shows your cash position with and without the advance.

Best suited to a multi-channel US seller who wants repayment tied to sales. Not suited to a store under $10,000 a month, under six months old, or selling outside the supported platforms.

Wayflyer

Wayflyer publishes its criteria in its help center rather than on its main site, which is why some comparisons report that it publishes none. As of 4 September 2026 it requires an average monthly revenue of $10,000 in USD, met for at least the preceding six months, and at least six months of operating history for businesses selling physical goods. Businesses must be incorporated in one of eleven countries, the United States among them.

Two published restrictions affect eCommerce sellers as much as the revenue floor does. Wayflyer does not fund dropshippers, and it funds only eCommerce companies that hold their own stock. If you run a dropshipping model, the revenue threshold is irrelevant.

It also states plainly that it does not fund new businesses, and that retail and service businesses need two years of operating history rather than six months.

Best suited to an established seller holding its own inventory. Not suited to dropshippers, or anyone in their first six months.

Clearco

Clearco publishes the highest bar of any provider here: 12 or more months of consistent revenue generating more than $100,000 USD per month, a direct-to-consumer eCommerce or SaaS business, US incorporation and an active US business bank account. That is roughly $1.2M a year before the conversation starts.

A great deal of published comparison content, including an earlier version of this page, still reports a $10,000 monthly floor for Clearco. If you are under $100,000 a month, Clearco's growth capital product is not an option yet, whatever those guides say.

One nuance: Clearco's invoice funding page publishes a lower entry point of $10,000 a month with a year of revenue. The $100,000 figure applies to its growth capital products, which are the ones usually meant when Clearco appears on a list like this.

Funding is non-dilutive with no personal guarantees, repaid through capped weekly payments rather than an uncapped share of revenue. Clearco publishes no cost figure.

Best suited to an established DTC brand above $1.2M a year that wants ongoing access rather than a single advance. Not suited to anyone below that floor.

Payability

Payability is a different product from the other three and the distinction matters more than any comparison of rates. It advances marketplace earnings you have already made, paid out daily instead of on the marketplace's schedule. The other three lend against sales you have not made yet.

It publishes no revenue floor, qualifying instead on marketplace sales history and performance. Its daily payout program carries daily fees for advancing sales.

Cost it against the payout delay it removes rather than against a funding offer. If your constraint is timing rather than a shortfall of capital, this is the cheaper fix. If you need money you have not yet earned, it does not solve that problem.

Providers you will see on other lists that will not work

Outfund is a UK and European business, publishing funding in sterling from around £10k a month with six months of trading. It does not fund US businesses. Captured 6 August 2026.

Karmen is French, publishes in French, and has taken over the activities of Silvr. Not available to US sellers. Captured 6 August 2026.

Efficient Capital Labs provides revenue-based financing to B2B SaaS companies against annual recurring revenue, focused on the South Asia to US corridor. It has no eCommerce product. It appears on eCommerce lists, including an earlier version of this one, because the phrase "revenue-based financing" matches. Captured 4 September 2026.

Kabbage appears on many current comparison lists and has not existed as a fundable brand since 1 February 2023, when American Express retired the name after acquiring the company in 2020. The replacement, the American Express Business Line of Credit inside Business Blueprint, is available only to existing Amex Business cardholders. The requirement to hold an Amex Business card changes who can apply. Captured 4 September 2026.

Using revenue-based financing for peak season inventory

Most sellers look at this category in the third quarter, for the same reason. Holiday inventory has to be ordered and paid for weeks before the sales that pay for it arrive, and marketplace payouts add a further delay on top of that. Revenue-based financing fits that gap because repayment starts small and rises with the peak season sales it funded.

Three numbers decide whether an advance makes sense for a Q4 order:

• Your latest safe order date. Work back from your supplier lead time and the date stock must be available to sell. The Safety Stock and Reorder Point Calculator gives that date and the units to order.
• The cost of the capital against the margin on that stock. A flat fee is worth paying when the contribution margin on the extra units is larger than the fee, with room for units that do not sell. The Marketing and Inventory ROI Calculator shows net return after the cost of the capital.
• Your cash position through January. Repayment continues after the peak, when sales usually drop. Model the weeks after the holidays as well as the weeks before them.

How to narrow this down

Start with the floors. Clearco publishes $100,000 a month and 12 months. Onramp Funds and Wayflyer both publish $10,000 a month and six months. Most of the comparison collapses once you apply these.

Check the model restrictions, not just the revenue. Wayflyer excludes dropshippers and requires you hold your own stock. A revenue threshold you clear is no use if your business model is excluded outright.

Separate funding from acceleration. Payability moves money forward that you have already earned. The others advance money you have not. Those solve different problems and cost differently.

Ask for the total repayable. Onramp Funds publishes an as-low-as fee example, which is more than most here do, but an example is not your price. The only comparable figure across a flat fee, a factor rate and a bank margin is the total amount repayable on a specific sum over a specific period, in writing. The MCA vs Revenue-Based Financing Cost Calculator puts a flat fee, a factor rate and a bank loan side by side on the same amount.

Frequently asked questions

What is the lowest published entry point for eCommerce revenue-based financing?

Onramp Funds and Wayflyer both publish $10,000 in monthly revenue and six months of history. Wayflyer additionally excludes dropshippers and requires that you hold your own stock, so the two floors are not equivalent in practice.

Does Clearco fund small eCommerce sellers?

Not through its growth capital products. Clearco publishes a requirement of 12 or more months of consistent revenue above $100,000 USD per month. Its invoice funding product publishes a lower $10,000 monthly entry point. Many comparison guides still report the $10,000 figure for Clearco generally, which is no longer accurate for growth capital.

Can a new store get revenue-based financing?

Rarely. Wayflyer states directly that it does not fund businesses being started. Onramp Funds publishes six months of selling history. Clearco publishes twelve. A store in its first quarter has very few options that are not personal credit.

Which providers publish what they cost?

Onramp Funds publishes a flat fee as low as 9% of the funded amount, with longer terms costing more. Payability discloses that its daily payout program carries daily fees. Wayflyer and Clearco publish a structure but no figure on their eligibility pages.

Is revenue-based financing a good way to fund holiday inventory?

It can be, when the margin on the extra stock is larger than the fee and you can order in time for your supplier lead time. Repayment as a share of sales means payments rise during the peak and fall afterward, rather than landing as a fixed amount in a slow January. Compare the total repayable against the profit the inventory is expected to produce before you accept an offer.

What was removed from this page, and why

This page replaced an earlier version titled "Top 7 Revenue-Based Financing Providers for eCommerce." The following claims were removed because no source supports them:

• A $10,000 monthly floor for Clearco. Clearco publishes $100,000 a month for growth capital.
• A statement that Clearco's thresholds are not publicly disclosed. They are, on clear.co.
• A 6 to 12% cost range for Clearco. Clearco publishes no cost figure.
• A $3,000 monthly minimum for Onramp Funds. Onramp Funds publishes $10,000.
• A $5,000 monthly minimum and same-day funding for Payability. Neither appears on Payability's site.
• Efficient Capital Labs listed as an eCommerce provider. It funds B2B SaaS against recurring revenue.
• Two conflicting entries for Karmen, and Outfund and Karmen presented as available to US sellers.

Provider details were read from each company's own website or help center on the dates noted. Terms and eligibility change without notice, so confirm current criteria with the provider before applying.