Revenue-Based Financing for eCommerce in 2026: 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 September 4, 2026. Onramp Funds' fee example was updated on September 17, 2026, and the Wayflyer, Clearco, and Payability entries were rechecked on October 15, 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, $10,000 average monthly sales, and at least six months of selling history. There is no personal credit check to see an offer. 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. On the variable option, 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 October 15, 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. Repayment is biweekly or monthly, in fixed amounts or as a percentage of sales. Its homepage example shows a $7,200 fee on $100,000.

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: an eCommerce business selling physical products, with 6 or more months of consistent revenue above $100,000 USD per month, 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 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 also offers invoice funding, and its invoice funding page publishes no revenue minimum. It says eligibility depends on your business and the invoices you submit. 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. Repayments are debited from your connected bank account. Clearco says it does not otherwise require collateral or personal guarantees, but it may file a financing statement. Clearco publishes no rate or fee schedule.

Best suited to an established eCommerce brand selling physical products above $1.2M a year. 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 Amazon and Walmart earnings you have already made, paid out daily instead of on the marketplace's schedule. The other three advance money 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. It does not run credit checks, but it does a standard background check of public records.

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 August 6, 2026.

Karmen is French, publishes in French, and has taken over the activities of Silvr. Not available to US sellers. Captured August 6, 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 because the phrase "revenue-based financing" matches. Captured September 4, 2026.

Kabbage appears on many current comparison lists but no longer exists as a brand. American Express acquired the company in 2020 and replaced the name in early 2023 with the American Express Business Line of Credit, part of Business Blueprint. That product sets its own requirements, so check them with American Express directly. Rechecked October 15, 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 six 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 as well as 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 6 or more months of consistent revenue above $100,000 USD per month. Its invoice funding page publishes no revenue minimum. Many comparison guides still report a $10,000 monthly figure for Clearco, which does not match what Clearco publishes for growth capital.

Can a new store get revenue-based financing?

Rarely. Onramp Funds publishes six months of selling history. Wayflyer states directly that it does not fund businesses being started. Clearco publishes six months at more than $100,000 a month. 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 fee as low as 9% of the funded amount ($4,500 on $50,000), flat, disclosed upfront, non-compounding, longer terms cost more. Subject to credit eligibility; rates and terms may vary. Wayflyer shows a $7,200 fee on $100,000 as an example on its homepage. Payability discloses that its daily payout program carries daily fees. Clearco publishes no rate or fee schedule.

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.

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.