These five providers get listed together constantly, and they are not alternatives to each other. Settle finances what you owe your suppliers. Bluevine is a revolving line. Wayflyer and Onramp Funds advance capital against sales. SellersFi runs a separate inventory product alongside working capital.
Picking between them starts with where the cash is actually stuck, not with which one is fastest. Everything below was read from each company's own website on 6 August 2026, and where an earlier version of this page carried an unsourced figure it has been removed rather than restated.
| If the problem is | The product that fits | Published range or terms |
|---|---|---|
| You owe suppliers before you get paid | Settle | Working capital from $20K to $15M, approved in days |
| Recurring gaps you want to dip into and repay | Bluevine line of credit | Up to $250,000, decision in as little as five minutes |
| A growth push you want funded against sales | Wayflyer | $5k to $20m, typical offers 1.5 to 3x monthly revenue |
| Multi-channel selling, capital plus stock | SellersFi | Approval and disbursement in as fast as 48 hours |
| Sales-linked capital across nine platforms | Onramp Funds | Variable, fixed or a rolling cash line |
Settle: when the problem is payables
Settle is the odd one out and the most commonly miscategorised. It is a back office for CPG brands that combines procurement, accounts payable and working capital in one place, and it bases financing on your real payables and purchasing data rather than on sales projections.
It provides working capital from $20K to $15M, approved in days, and finances large purchase orders, seasonal inventory and supplier payment terms without equity dilution. Settle states it has provided over $3B in funding to brands since 2019.
One correction worth making: an earlier version of this page put a specific maximum on how far Settle lets you stretch supplier payment terms. Settle publishes no such number. It finances supplier payment terms without stating a length, which is a meaningfully weaker claim, so ask for the terms on your own account.
Bluevine: when the problem recurs
A line of credit is the right shape when the gap comes back every quarter rather than once. Bluevine offers up to $250,000 with instant access to funds, applying does not impact your credit score, and a decision can come in as little as five minutes once you submit.
It also has the strictest published entry on this page: $10,000 in monthly revenue, a 625+ personal FICO score, 12+ months in business, a corporation or LLC, and no bankruptcies on file. Bluevine publishes plainly that it is a financial technology company rather than a bank, and that the line of credit is issued by Celtic Bank. An earlier version of this page implied the opposite.
Wayflyer: when the problem is a growth push
Wayflyer offers financing from $5k to $20m, with typical offers of 1.5 to 3 times monthly revenue subject to underwriting, and sends cash directly to your bank account with no spend restrictions. Funds can reach your bank in as little as 24 hours once approved.
It does not ask for personal guarantees or take equity, and charges one fixed fee remitted over a timeframe aligned with business cycles. Note the wording, because it is not the same as a repayment that rises and falls automatically with revenue: the fee is fixed, and the timeframe is aligned to your cycles.
SellersFi: when you need capital and stock
SellersFi, the trading name of SellersFunding Corp, serves Amazon and direct-to-consumer sellers with working capital and runs a separate inventory financing product. It publishes approvals and disbursement in as fast as 48 hours, and applying carries no impact to credit score and no commitment.
What SellersFi does not publish is pricing, a revenue minimum or repayment terms. An earlier version of this page stated a term range and a revolving credit product, neither of which appears on sellersfi.com. Ask for both in writing before you compare it against anything else here.
Onramp Funds: when the sales are spread across platforms
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, which is the relevant difference if your revenue is split across channels.
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. There is one transparent fee with no hidden costs and no equity is taken.
It is not the right answer if your problem is payables specifically, or if you want a revolving line you dip into and repay repeatedly. Settle and Bluevine are built for those.
Where the small business framing misleads
Calling all five "small business financing" hides three things worth knowing before you apply.
- Two of them are CPG-shaped, not small-business-shaped. Settle is built for CPG brands with real purchase orders and supplier invoices. If you do not have those, most of the product does nothing for you.
- The floors are not small. Bluevine publishes $10,000 a month and 12 months trading. Onramp Funds publishes $10,000 a month and 6 months. Wayflyer and SellersFi publish no floor, which is not the same as having none.
- Only one is a credit product in the conventional sense. Bluevine's line is issued by a bank and requires a personal FICO score. The others underwrite the business.
Frequently asked questions
Which option is best for paying suppliers?
Settle, which finances large purchase orders, seasonal inventory and supplier payment terms based on your real payables and purchasing data. It is the only one of the five built around what you owe rather than what you sell.
Which has the lowest published entry requirement?
Onramp Funds publishes $10,000 in monthly sales and 6 months of selling history. Bluevine publishes $10,000 in monthly revenue but also 12+ months in business and a 625+ personal FICO score. Settle, Wayflyer and SellersFi publish no revenue minimum, which means you have to ask.
Do any of these require a personal credit check?
Bluevine publishes a 625+ personal FICO requirement. Onramp Funds runs no personal credit check. Wayflyer does not ask for personal guarantees or take equity. SellersFi states applying carries no impact to credit score.
How much can I get?
Settle publishes $20K to $15M. Wayflyer publishes $5k to $20m with typical offers of 1.5 to 3 times monthly revenue. Bluevine publishes up to $250,000. SellersFi and Onramp Funds do not publish a ceiling, and every offer is sized on your own numbers regardless.
What does any of this cost?
None of the five publishes a rate or a fee schedule. Wayflyer publishes that it charges one fixed fee, and Onramp Funds publishes one transparent fee with no hidden costs, but neither gives a number. Ask each provider for the total amount repayable on a specific funding amount, in writing, and compare those.
See the funding structures or read how underwriting works.
Details were read from each provider's own website on 6 August 2026. Terms change without notice, so confirm current criteria before applying.
