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Walmart Marketplace Capital: Launched in 2024, this option offers cash advances based on your Walmart sales. Repayments are automatically deducted from your future revenue.
- Eligibility: 6+ months of sales, U.S.-based business (not sole proprietors).
- Speed: Same-day funding.
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Onramp Funds: Provides revenue-based financing for eCommerce sellers across platforms.
- Eligibility: $3,000+ monthly sales, U.S. legal business entity.
- Repayment: 1% of sales.
- Speed: Under 24 hours.
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Third-Party Lenders: Options include Marcus by Goldman Sachs and Payoneer Capital Advance, offering fixed credit lines or cash advances up to 140% of your Walmart sales.
- Fees: 1.5%–20.99% depending on the provider.
Quick Comparison:
| Option | Funding Speed | Repayment Terms | Eligibility |
|---|---|---|---|
| Walmart Marketplace Capital | Same-day to 24 hours | Fixed installments | 6+ months of Walmart sales, U.S. business |
| Onramp Funds | Under 24 hours | 1% of sales revenue | $3,000+ monthly sales, U.S. entity |
| Third-Party Lenders | Minutes to weeks | Fixed rates/credit lines | Varies by provider |
Steps to Apply:
- Confirm eligibility (sales history, compliance, U.S. business registration).
- Gather documents (business registration, tax ID, sales records).
- Follow the lender’s application process.
Access to funding can help you stock inventory, run ads, and prepare for busy seasons. Loans are tailored to your sales performance, so repayment adjusts with your revenue.
Working capital solutions tailored to your business
Walmart Seller Financing Options
Walmart Marketplace sellers have several ways to secure funding for inventory, marketing, and operations.
Walmart Platform Financing
Walmart Marketplace Capital, introduced in partnership with Parafin in September 2024, offers cash advances directly tied to Walmart sales. Repayments are automatically deducted from future sales revenue. Key features include:
- A flat fee structure with no additional operational costs
- Automatic repayment through sales deductions
- Eligibility requirements: at least six months of Marketplace sales, U.S.-based sellers (excluding sole proprietors), and a valid U.S. Taxpayer Identification Number (TIN)
"Access to affordable capital is more important than ever as businesses large and small work to adapt and evolve to serve customers and grow their businesses." - Jeff Clementz, Vice President of Walmart Marketplace
Next up, let’s look at revenue-based financing options tailored for growth.
Onramp Funds Sales-Based Financing
Onramp Funds provides funding based on your eCommerce performance across multiple platforms. Highlights include:
- Funding decisions within 24 hours
- No requirement to give up equity
- Repayments set at 1% of sales revenue
- Minimum monthly sales of $3,000
- Open to U.S. legal business entities
According to Onramp, businesses using this model have seen an average of 60% revenue growth within six months of funding.
"Onramp offered the perfect solution with revenue-based financing to secure the capital we needed to invest in inventory and pay it back at a reasonable time frame once we made sales. The process was quick, easy, and the support was great." - Jeremy, Founder and Owner of Kindfolk Yoga
Now, let’s explore financing options integrated with payment tools.
Connected Third-Party Lenders
In March 2025, J.P. Morgan Payments launched an embedded finance solution for Walmart Marketplace sellers. This service combines payment management tools with cash flow solutions, streamlining operations from onboarding to daily financial management.
| Provider | Features | Fee Structure |
|---|---|---|
| Marcus by Goldman Sachs | Fixed credit lines | 6.99% - 20.99% interest |
| Payoneer Capital Advance | Up to 140% of monthly Walmart volume (max $750,000) | 1.5% - 10% fixed fee |
Loan Requirements for Walmart Sellers
Sales and Performance Requirements
To qualify for merchant financing as a Walmart seller, you need to meet specific performance standards. These include at least six months of active selling, steady revenue, compliance with Walmart's Seller Performance Standards, and registration as a U.S. business entity (excluding sole proprietors). The funding amount depends on your Marketplace sales volume and overall performance. With Payoneer Capital Advance, you can access up to 140% of your average monthly Walmart sales, with a maximum limit of $750,000.
Required Business Documents
Make sure you have the following documents ready to simplify your application process:
| Document Type | Purpose | Requirements |
|---|---|---|
| Business Registration | Verify legal status | Documentation for a valid U.S. business entity |
| Tax Information | Confirm tax compliance | U.S. Taxpayer Identification Number (TIN) |
| Walmart Account | Validate seller status | Active Walmart Marketplace account |
| Sales Records | Demonstrate performance | Minimum six months of sales history |
For Walmart Marketplace Capital, it's important to maintain good standing on the platform. This means consistently meeting performance benchmarks, managing an acceptable business risk profile, keeping your Walmart Marketplace account active and compliant, and ensuring your business banking details are up to date.
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Loan Application Steps
Document Checklist
Make sure to gather these documents before starting your loan application. This will help keep the process smooth and efficient:
| Document Category | Documents | Purpose |
|---|---|---|
| Business Identity | • Business Registration Certificate • U.S. Taxpayer ID Number (TIN) • Walmart Partner ID |
Confirms your legal status and platform identity |
| Financial Records | • At least 6 months of Walmart sales data • Bank statements • Payment processing records |
Shows your business performance |
| Platform Status | • Active Walmart Marketplace account • Seller Performance metrics • Current compliance status |
Verifies your standing on the marketplace |
Application and Review Process
Walmart Marketplace Capital uses an invitation-only process for loan applications. Here's how it works:
1. Eligibility Check
Keep an eye on your Seller Center dashboard. Walmart evaluates your eligibility based on these key factors:
- At least six months of active selling
- Consistent sales performance
- Compliance with Seller Performance Standards
- A review of your business risk profile
2. Offer Review
If you meet the criteria, you'll get an offer notification through:
- Your Seller Center dashboard
- An email sent to your registered address
3. Acceptance and Verification
Once you accept the offer, Walmart will verify your marketplace status, banking information, and payment processing setup.
Funding Time Expectations
Here’s how quickly you can expect funding, depending on the source:
| Funding Source | Processing Time | Disbursement Method |
|---|---|---|
| Walmart Marketplace Capital | Same-day to 24 hours | Direct deposit via your existing payout method |
| Payoneer Capital Advance | Within minutes of approval | Instant transfer to your Payoneer account |
| Onramp Funds | Under 24 hours | Direct ACH deposit |
"Applied, got our offer, and had cash in our bank account within 24 hours. Their Austin, TX-based team was very professional and helped me deploy the cash to effectively grow our business." - Nick James, CEO Rockless Table
To avoid delays, ensure all your documents are accurate and your banking details are up to date. Next, learn more about loan features to see how they can help grow your business.
Loan Features and Benefits
These loan options come with features designed to help your business thrive on Walmart Marketplace.
Feature Comparison
Here's a side-by-side look at financing options to help you decide what's best for your Walmart Marketplace business:
| Feature | Walmart Marketplace Capital | Onramp Funds | Traditional Business Loans |
|---|---|---|---|
| Approval Criteria | Based on Walmart sales performance | Overall eCommerce performance | Credit history and collateral |
| Funding Speed | Same-day to 24 hours | Under 24 hours | 2–4 weeks |
| Repayment Terms | Fixed installments | 1% of sales volume | Fixed monthly payments |
| Use of Funds | Walmart-focused growth initiatives | Flexible across platforms | Unrestricted |
| Fee Structure | Platform-specific rates | 2–8% fixed fee | Interest rates + origination fees |
| Sales Requirements | Walmart sales performance-based | $3,000+ monthly sales | Varies by lender |
Now, let’s explore how these features can directly benefit your business operations.
Business Impact for Sellers
Access to financing can significantly improve your Walmart Marketplace business in multiple ways:
Inventory Management and Expansion
With additional funding, you can stock up on inventory and keep operations running smoothly.
Boosting Marketplace Presence
Financing can help you enhance your presence on Walmart Marketplace by:
- Using Walmart Fulfillment Services (WFS) for better logistics
- Investing in Sponsored Search ads to increase visibility
- Growing your product catalog to reach more customers
Seasonal Readiness
Prepare for busy seasons, launch new products, and maintain stock levels during high-demand periods.
Improved Growth Metrics
Leverage the platform's potential to scale your business effectively.
Cash Flow Flexibility
Revenue-based financing adapts to your sales patterns, making it easier to manage cash flow as your business grows.
Next Steps for Walmart Sellers
If you're ready to secure funding for your Walmart business, here's how to move forward effectively.
Pinpoint Growth Areas
Take a close look at your Walmart performance metrics. Identify where an injection of capital could help you grow - whether that's expanding your inventory, boosting advertising, or optimizing fulfillment.
Determine How Much Funding You Need
Break down your funding requirements by specific needs, such as:
- Expanding your inventory
- Making bulk purchases
- Running Walmart Sponsored Products campaigns
- Using Walmart Fulfillment Services (WFS)
Once you've outlined your needs, you're ready to move on to the funding process.
How to Apply for Funding
- Sign up for an Onramp Funds account and link your Walmart Marketplace store.
- Confirm your eligibility (you’ll need to be a U.S.-based business with at least $3,000 in monthly sales and an active Walmart account). Securely connect your bank account.
- Review your custom funding offers - available within 24 hours.
Plan Your Growth Strategy
Lay out a detailed approach for scaling your Walmart business. This might include:
- Expanding your product catalog strategically
- Optimizing pricing to stay competitive
- Managing seasonal inventory effectively
- Investing in targeted advertising campaigns
Onramp Funds offers repayment terms tied to your sales, with fees ranging from 0.5% to 4%. This flexible setup means you won’t have to worry about fixed monthly payments, letting you focus on growing your business.
If you have questions or need help during the process, reach out to Onramp Funds' Austin-based support team for assistance.
FAQs
What are the advantages of using Walmart Marketplace Capital instead of third-party lenders for financing?
Walmart Marketplace Capital offers several key advantages tailored specifically for Walmart Marketplace sellers. Unlike third-party lenders, this financing is designed to align with the unique needs of your business on the Walmart platform, making it easier to access funds for inventory, manage cash flow, and support growth.
Additionally, Walmart Marketplace Capital typically integrates seamlessly with your seller account, simplifying the application process and ensuring that funding is directly tied to your sales performance. This targeted approach can save time and reduce the complexity often associated with working with external lenders.
How does repayment work for Walmart Marketplace Capital, and what happens if my sales vary?
Repayments for Walmart Marketplace Capital are automatically deducted from your future sales revenue. This ensures a seamless process that aligns with your business performance.
If your sales fluctuate and revenue is lower during a specific period, the program may deduct the remaining balance from your linked bank account. This flexibility helps accommodate the natural ups and downs of running an online business, while ensuring your loan payments stay on track.
What can I do if I don’t currently qualify for a Walmart merchant loan?
If you don’t meet the eligibility requirements for a Walmart merchant loan, don’t worry - there are steps you can take to work toward qualifying or explore alternative options. Focus on improving your business metrics, such as increasing your sales volume or maintaining consistent cash flow, as these can strengthen your eligibility in the future.
In the meantime, consider alternatives like merchant advance programs, which provide funding based on your sales, or revenue-based financing, where repayments adjust according to your earnings. You can also explore growing your business more gradually by reinvesting revenue into inventory or advertising to build your capacity over time.
By taking these steps, you can position your business for success and improve your chances of securing financing when you're ready.
