Most comparisons of eCommerce funding options rank providers on speed. That is the wrong first question. The first question is which ones will accept you, because the eligibility gap between these five is enormous: one publishes a $100,000 a month floor, another publishes no revenue floor at all, and a third cannot be applied to.
This page compares Onramp Funds, Shopify Capital, Payability, Clearco and Fundbox on what each one publishes about who qualifies, what the money costs and how it is repaid. Everything was read from each company's own website on 6 August 2026. Where a company does not publish something, that is stated rather than filled in.
| Provider | Published eligibility | Structure | Published maximum |
|---|---|---|---|
| Onramp Funds | US business entity, $10,000+ monthly sales, 6+ months selling history, nine supported platforms | Variable, fixed, or a rolling cash line | Not published on the homepage |
| Shopify Capital | 90+ days on Shopify, policy compliance, select merchants in US, Canada, UK, Australia | A fixed percentage of daily sales, up to 18 months | $2M |
| Payability | Marketplace sales history and performance on Amazon or Walmart | An advance on your own marketplace earnings, paid out daily | Not published |
| Clearco | 12+ months of consistent revenue above $100,000 per month, US incorporated, DTC ecommerce or SaaS | Fixed capacity, rolling capacity, cash advance or invoice funding | Not published |
| Fundbox | Not published on the homepage | Flexible repayment terms, no early repayment fees | $250,000 |
Onramp Funds
Onramp Funds 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 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. All carry one transparent fee with no hidden costs, and none takes equity.
Best suited to a multi-channel US seller who wants repayment tied to sales. Not suited to a store under $10,000 a month or under six months old, or to a seller outside the supported platforms.
Shopify Capital
Shopify Capital requires at least 90 days selling on Shopify plus policy compliance, and is available to select merchants in the United States, Canada, the United Kingdom and Australia. Offers reach $2M and funding arrives in as quick as two business days once approved.
Repayment is a fixed percentage of daily sales taken only on days the store sells, with a maximum term of 18 months.
The structural limit is that it underwrites Shopify revenue only, and you cannot apply. Shopify selects merchants automatically. A note about the previous version of this page: it said Capital requires "consistent sales volume". Shopify publishes no such requirement, only the 90 day threshold and policy compliance.
Payability
Payability is the odd one out here, and the distinction matters. It advances your own marketplace earnings for Amazon and Walmart sellers rather than lending against them, paid out daily instead of on the marketplace's own schedule.
Qualification is on marketplace sales history and performance. Payability runs no credit checks but does perform a standard background check of public records. It states it has made over $6 billion in daily payments to more than 10,000 Amazon sellers since 2015.
The cost side is easy to miss. The daily payout program includes daily fees for advancing sales, and optional fees may apply for transferring advanced funds to a bank account. Work out the annualised cost of accelerating a payout you would have received anyway, because that is the real comparison against a funding product.
Clearco
Clearco has by far the highest published bar on this page: 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. If you are under $1.2M a year, this is not an option yet.
Funding is non-dilutive, takes no collateral and asks for no personal guarantees, with capped weekly payments. Four structures are offered: Fixed Funding Capacity, Rolling Funding Capacity, Cash Advance and Invoice Funding. Early payment carries no penalty and Clearco places no blanket liens. It states it has invested over $3B in 10,000 businesses.
Fundbox
Fundbox is the generalist here, not an eCommerce specialist, which cuts both ways. It offers up to $250,000 with flexible repayment terms and no early repayment fees, and the application takes 3 minutes or less. It states it has served businesses since 2013, unlocked over $6B in capital and connected 500k+ businesses.
Fundbox does not publish eligibility criteria on its homepage, so the honest answer on whether you qualify is that you have to apply and find out. That is a real disadvantage when you are comparing options, and no guide can resolve it for you.
Choosing between them
- Start with the floors. Clearco publishes $100,000 a month and 12 months. Onramp Funds publishes $10,000 a month and 6 months. Shopify Capital publishes 90 days and no revenue figure. Payability and Fundbox publish neither. Rule out what you cannot reach before comparing anything else.
- Separate funding from acceleration. Payability moves money you have already earned forward in time. The other four give you money you have not earned yet. Those solve different problems and cost differently.
- Check what happens in a slow month. Shopify Capital and Onramp Funds' variable option collect a share of sales, so they take less when you sell less. Clearco's weekly payments are capped rather than sales-linked. A fixed schedule does not flex at all.
- Count your channels. Shopify Capital sees Shopify revenue. Payability sees Amazon and Walmart. Onramp Funds sees nine platforms. If most of your revenue is invisible to the underwriter, your offer will be small.
- Ask for the total repayable. None of these five publishes a rate or a fee on its homepage. The only way to compare cost is to get the total amount repayable on a specific funding amount, in writing, from each of them.
Frequently asked questions
Which eCommerce funding option is easiest to qualify for?
On published criteria, Shopify Capital has the lowest stated bar at 90 days of selling, but you cannot apply for it, so being eligible is not the same as being funded. Among options you can approach directly, Onramp Funds publishes the lowest floor at $10,000 in monthly sales and 6 months of selling history. Fundbox publishes no criteria at all.
Do any of these check personal credit?
Onramp Funds runs no personal credit check. Payability runs no credit checks but does perform a standard background check of public records. Clearco asks for no personal guarantees. Check the current position with each provider before applying.
What is the difference between Payability and the others?
Payability advances earnings you have already made on Amazon or Walmart, paying them out daily rather than on the marketplace schedule. The others advance capital against future sales. If your problem is the payout delay rather than a shortfall of capital, that is a genuinely different fix.
Can a new store get eCommerce funding?
Rarely, and the published floors are the reason. Clearco wants 12 months and $100,000 a month. Onramp Funds wants 6 months and $10,000 a month. Shopify Capital wants 90 days on Shopify and then selects automatically. A store in its first quarter has very few options that are not personal credit.
How much can I borrow?
Shopify Capital publishes up to $2M and Fundbox up to $250,000. Onramp Funds, Payability and Clearco do not publish a maximum on their homepages, and every offer is sized on your own sales in any case.
See the funding structures or read how underwriting works.
Provider details were read from each company's own website on 6 August 2026. Terms change without notice, so confirm current criteria with the provider before applying.
