An eCommerce lending company funds an online seller against the sales that seller is already making, rather than against collateral or a personal credit file. Onramp Funds, Shopify Capital, Payoneer Capital Advance, SellersFi and 8fig are the five most commonly used options for United States sellers on Amazon, Shopify and the major marketplaces. They differ less on speed than most comparisons suggest, and more on who they will accept, how repayment behaves when sales dip, and whether funding arrives as one lump sum or in stages.
Every figure below was read from each provider's own website on 6 August 2026. Where a provider does not publish a number, this guide says so instead of estimating one.
| Provider | Who it accepts | How repayment works | Published speed |
|---|---|---|---|
| Onramp Funds | US business entity, at least $10,000 in monthly sales, at least 6 months of selling history, nine supported platforms | Variable option repays as a share of sales; fixed option repays weekly or biweekly; rolling cash line revolves | Not published as a fixed figure |
| Shopify Capital | Select merchants in the US, Canada, UK and Australia, selling on Shopify for at least 90 days | A percentage of daily sales, maximum term 18 months | As quick as two business days once approved |
| Payoneer Capital Advance | Sellers receiving marketplace payouts into a Payoneer account | A fixed percentage of incoming payments until settled, up to 6 months | Funds land in the Payoneer balance within minutes of accepting |
| SellersFi | Amazon and direct-to-consumer sellers | Working capital and separate inventory financing | Approval and disbursement in as fast as 48 hours |
| 8fig | 6+ months in business, $12K+ average monthly revenue, $100K+ annual revenue, US or Canada | Capital released against supply chain steps | Offer in 24 hours or less |
Onramp Funds
Onramp Funds is built for eCommerce sellers specifically, and underwrites on connected sales data from the platforms a seller already uses. It supports nine platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe.
To qualify, a seller needs a legal US business entity such as an LLC, at least $10,000 in monthly sales and at least 6 months of selling history. There is no personal credit check.
Three structures are offered. Variable funding repays as a share of sales, so the amount collected moves with revenue rather than against it. Fixed funding repays on a predictable weekly or biweekly schedule 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. All three carry one transparent fee with no hidden costs, and none of them takes equity.
The trade-off is scope. Onramp Funds works only with US eCommerce businesses on supported platforms, so a seller outside that footprint is better served elsewhere.
Shopify Capital
Shopify Capital is funding offered inside the Shopify admin, so there is no separate application to fill in. Shopify states it runs no credit checks and no impact to your personal credit score, and that offers are generated from real-time sales data with funding up to $2M.
Repayment is a percentage of a store's daily sales, with a maximum repayment term of 18 months. Once approved, Shopify publishes funding in as quick as two business days.
Two limits matter. Shopify Capital is available only to select merchants in the United States, Canada, the United Kingdom and Australia, and a merchant must have sold on Shopify for at least 90 days. It is also Shopify-only, so a multi-channel seller cannot underwrite the rest of their revenue with it.
Payoneer Capital Advance
Payoneer Capital Advance sits on top of the Payoneer account a marketplace seller already receives payouts into. Payoneer sizes marketplace offers from the earnings history of the seller's Amazon, Walmart or other marketplace store, and offers reach up to 140% of average monthly payout, capped at 750,000 USD.
Settlement is automatic: Payoneer collects a fixed percentage of incoming payments until settlement completes, over a period of up to 6 months for marketplace sellers. The cost is a flat percentage of the advance amount rather than a compounding charge.
Speed is the strongest part of the offer. Payoneer states that when you accept an offer, the funds hit your Payoneer account within minutes.
The catch is the dependency. Capital Advance is only reachable by routing marketplace payouts through Payoneer first, which is a workflow change for a seller who does not already do that.
SellersFi
SellersFi, the trading name of SellersFunding Corp, serves Amazon and direct-to-consumer sellers with working capital, and runs a separate inventory financing product for sellers whose constraint is stock rather than cash.
SellersFi publishes approvals in as fast as 48 hours and funds disbursed in as fast as 48 hours. Applying carries no impact to credit score and no commitment.
SellersFi does not publish its pricing or its minimum revenue threshold on its website, so any seller comparing cost should ask for the fee structure in writing before accepting an offer. This guide does not estimate it.
8fig
8fig takes a different shape to the rest of this list. Rather than advancing one sum, it funds every step of a seller's supply chain, releasing capital against production, shipping and the rest of the sequence.
Its published criteria are 6+ months in business, $12K+ average monthly revenue over the last 3 months, $100K+ annual revenue, and a business based in the U.S. or Canada. Funding is equity-free, takes no collateral and does not affect credit score, and 8fig returns an offer in 24 hours or less.
The staged model suits a seller with a defined inventory cycle to fund. It suits a seller who needs unrestricted working capital less well, because the capital is tied to the plan it was underwritten against.
How to choose between them
The useful question is not which provider is fastest. It is which one still works on a bad month.
- If sales are seasonal or volatile: a structure that repays as a share of sales, such as Onramp Funds' variable option, Shopify Capital or Payoneer Capital Advance, collects less when revenue falls. A fixed schedule does not.
- If you sell on more than one platform: Shopify Capital underwrites Shopify revenue only. Onramp Funds and SellersFi look at multi-channel sales.
- If the need is inventory specifically: 8fig's staged model and SellersFi's inventory product are built for that. General working capital is not.
- If you are early: check the minimums first. 8fig publishes $12K+ average monthly revenue and $100K+ annual revenue. Onramp Funds publishes $10,000 in monthly sales and 6 months of selling history. Shopify Capital requires 90 days on Shopify.
- If cost is the deciding factor: ask each provider for the total amount repayable on a specific funding amount, in writing. Onramp Funds and Payoneer both publish a single fee structure. SellersFi and 8fig do not publish pricing at all.
Frequently asked questions
Which eCommerce lending company is fastest?
On published figures, Payoneer Capital Advance is fastest at the moment of acceptance: funds hit the Payoneer account within minutes. SellersFi publishes as fast as 48 hours, 8fig publishes an offer in 24 hours or less, and Shopify Capital publishes as quick as two business days once approved. Speed of the deposit is rarely the constraint, though. Time spent qualifying usually is.
Do any of these run a personal credit check?
Onramp Funds runs no personal credit check. Shopify Capital states it runs no credit checks and no impact to your personal credit score. SellersFi states applying carries no impact to credit score, and 8fig states its process does not affect credit score. Payoneer determines eligibility from earnings history in the Payoneer account.
What is the minimum revenue to qualify for eCommerce funding?
It varies and each provider publishes its own. Onramp Funds publishes at least $10,000 in monthly sales plus 6 months of selling history. 8fig publishes $12K+ average monthly revenue over the last three months and $100K+ annual revenue. Shopify Capital publishes a 90 day selling requirement rather than a revenue floor. SellersFi does not publish a minimum.
Is eCommerce lending the same as a bank loan?
No. These products are advances against future sales, underwritten on connected sales data rather than on collateral or a personal credit file, and several of them are repaid as a percentage of sales rather than on a fixed monthly schedule. That changes what happens in a slow month, which is the practical difference for most sellers.
Can a multi-channel seller use more than one of these?
Yes, and many do, but stacking obligations against the same revenue is how sellers get into trouble. Before adding a second facility, work out what percentage of daily sales is already committed to the first one.
Where Onramp Funds fits
Onramp Funds is the right fit for a US eCommerce business doing at least $10,000 a month, at least 6 months in, selling on one of the nine supported platforms, that wants repayment to move with sales and does not want a personal credit check or an equity conversation. It is not the right fit for a seller outside the US, a pre-revenue brand, or anyone who needs capital tied to a specific supply chain plan rather than to the business as a whole. Where another provider on this list fits better, that is the honest answer.
See the funding structures or read how underwriting works.
Provider details on this page were verified against each company's own website on 6 August 2026. Pricing and eligibility change without notice, so confirm current terms with the provider before applying.
