This page was written for sellers comparing eCommerce financing in late 2025. Enough has changed since then that the honest version of it is not a refreshed ranking but a list of what actually moved, and what that does to the decision. Three of the options below changed materially in 2026: one rebuilt its entire product line, one published a new guide confirming you cannot apply for it, and one marketplace opened a fee programme that changes the cash math for new sellers more than most funding products do.
Everything here was read from each company's own documentation on 6 August 2026. Where a company does not publish a figure, this page says so rather than estimating one.
| What changed | What it now says | Who it affects |
|---|---|---|
| Walmart New-Seller Savings | Runs 2 February 2026 to 31 January 2027, up to $72K off referral fees | Sellers going live on Walmart after 1 February 2026 |
| Walmart Marketplace Capital | Guide last updated 21 July 2026: there is no option to apply, and third-party offers are now enabled | Existing Walmart sellers waiting for an offer |
| Clearco | Four products, lower pricing and higher funding capacity, floor of 12+ months above $100,000 a month | Established DTC brands above $1.2M a year |
| Shopify Capital | Up to $2M, maximum term 18 months, select merchants in four countries | Shopify merchants who have been selected |
| Amazon Lending | Arranges financing through third-party providers rather than lending directly | Amazon sellers comparing offers |
The Walmart change that is not financing but behaves like it
Walmart's New-Seller Savings programme now runs from 2 February 2026 to 31 January 2027. The published tiers are 20% off base referral fees on the first $50K in GMV, 30% between $50K and $500K, and 40% above $500K, up to $72K off referral fees in total.
That is a fee discount rather than capital, and it is worth putting next to the funding options for one reason: it improves margin on every unit sold without anything to repay. A seller weighing whether to take funding to push volume on Walmart should work out the fee relief first, because it changes the return on the funded inventory.
Two conditions are published and both are easy to miss. Qualified sellers must go live after 1 February 2026 to participate, and the opt-in happens after the store goes live. A seller who went live before that date does not get it, whatever their volume.
Walmart Marketplace Capital, in its own words
Walmart Marketplace Capital's current guide, last updated 21 July 2026, answers the question sellers ask most often about it directly. Can I apply? No. There is no option to apply for the advance.
The second change is more useful. Walmart Marketplace Capital now enables third-party offers alongside its own, so the programme functions partly as a route to other providers rather than only as Walmart's own product. If you are waiting on an offer, the practical position is that waiting is the whole strategy, and it is worth having an option you can actually approach in parallel.
Clearco rebuilt, and the old description of it is wrong
Clearco now publishes four products: Fixed Funding Capacity, Rolling Funding Capacity, Cash Advance and Invoice Funding. It also publishes a rebuilt proposition of lower pricing and higher funding capacity.
The eligibility line is the part most comparisons still get wrong, this page included in its earlier form. Clearco publishes that your business needs 12+ months of consistent revenue generating more than $100,000 USD per month. That is roughly $1.2M a year before the conversation starts. A seller below it is not close, and no amount of growth trajectory substitutes.
A correction worth stating plainly: the earlier version of this page described Clearco as underwriting on advertising performance for brands investing in paid media. Clearco's published qualification criteria are revenue based. The model this page described is not the one Clearco documents today, and that description has now appeared often enough across the wider web that it is worth naming rather than quietly deleting.
Shopify Capital
Shopify Capital publishes offers up to $2M with a maximum repayment term of 18 months, and is available to select merchants in the United States, Canada, the United Kingdom and Australia.
The earlier version of this page said Shopify Capital was limited to merchants who had built up enough trading history to prove themselves. Shopify does not publish that as a requirement. What it publishes is a minimum of 90 days selling on Shopify and compliance with its Acceptable Use Policy and Terms of Service, with eligibility then decided by an automated model. The distinction matters because a history bar reads as something you can work towards, and the published requirements are a threshold plus a selection you cannot influence directly.
The rest of the field, on published criteria
Amazon Lending arranges financing through its third-party financing providers rather than lending directly. When you compare an Amazon offer, you are comparing the provider behind it, not Amazon.
Kickfurther publishes a clear floor: US-based brands at $400K+ in trailing 12-month revenue, or $200K to $400K if you hold purchase orders from major retailers. That second tier is the one early brands miss.
Wayflyer publishes financing from $5k to $20m with typical offers of 1.5 to 3 times monthly revenue, which is one of the few published sizing formulas in the category.
Payability discloses that its daily payout program carries daily fees for advancing sales. It moves money you have already earned forward in time, which is a different product from the rest of this list and should be costed against the payout delay it removes, not against a funding offer.
Onramp Funds
Onramp Funds publishes its criteria, which is the main reason it is worth comparing directly against the options above that do not. It requires a legal US business entity, at least $10,000 in monthly sales and at least 6 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 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 and can be drawn as often as every two weeks. There is one transparent fee with no hidden costs, and no equity is taken.
Where it does not fit: a seller under $10,000 a month or under six months old does not qualify, a seller outside the United States is out of scope, and a seller who wants capital tied to a specific supply chain plan is better served by a product built for that. Four claims about Onramp Funds were removed from the earlier version of this page, covering funding speed, a category superlative, a credit description that went further than what is published, and a pricing description that did not match the published wording.
See the funding structures or read how underwriting works.
How to use this in a decision
- Check the floors before anything else. Clearco publishes 12+ months above $100,000 a month. Kickfurther publishes $400K+ trailing twelve months, or $200K to $400K with retailer purchase orders. Onramp Funds publishes $10,000 a month and 6 months. Most of the comparison collapses once you apply these.
- Separate what you can apply for from what you can only be offered. Walmart Marketplace Capital publishes that there is no option to apply. Shopify Capital selects merchants. Both are worth having, neither is a plan.
- Count fee relief as capital. Up to $72K off Walmart referral fees is money you keep rather than money you repay. Work it out before you size a funding request against Walmart volume.
- Ask who is actually lending. Amazon Lending arranges through third-party providers. The terms come from them.
- Cost the acceleration products separately. A daily payout with daily fees is not the same purchase as capital against future sales, and comparing their headline numbers side by side is a category error.
Frequently asked questions
What changed in eCommerce financing since late 2025?
Three things that affect a comparison directly. Clearco rebuilt its product line to four products and publishes lower pricing and higher funding capacity alongside a revenue-based qualification floor. Walmart Marketplace Capital's July 2026 guide confirms there is no option to apply and that third-party offers are now enabled. Walmart's New-Seller Savings programme now runs from 2 February 2026 to 31 January 2027.
Can I apply for Walmart Marketplace Capital?
No. Walmart's own guide, last updated 21 July 2026, states there is no option to apply for the advance. The programme does now enable third-party offers, so an offer you see through it may come from another provider.
Does Clearco fund based on advertising performance?
Not on its published criteria. Clearco publishes a requirement of 12+ months of consistent revenue generating more than $100,000 USD per month. Descriptions of ad-performance underwriting are widespread online and do not match what Clearco documents today.
Who qualifies for Walmart New-Seller Savings?
Qualified sellers must go live after 1 February 2026, and the opt-in happens after the store goes live. The published tiers are 20% off base referral fees on the first $50K in GMV, 30% between $50K and $500K and 40% above $500K, up to $72K in total. Confirm current terms with Walmart before relying on them.
What is the lowest published bar to qualify for eCommerce financing?
Among the options on this page that publish criteria and that you can approach directly, Onramp Funds publishes the lowest at $10,000 in monthly sales and 6 months of selling history. Shopify Capital publishes 90 days on Shopify, but selects merchants rather than accepting applications, so being over the threshold is not the same as being funded.
Details on this page were read from each company's own website and documentation on 6 August 2026. Programmes, fees and eligibility change without notice, so confirm current terms with the provider before applying.
