Seasonal businesses often need to purchase large amounts of inventory before revenue starts flowing. This article reviews the best inventory financing programs in 2025 for seasonal sellers, including Onramp Funds, Kickfurther, Wayflyer, and Clearco — all offering flexible terms, quick funding, and repayment options that align with fluctuating sales cycles.
Onramp Funds
Why It’s Great for Seasonal Businesses:
Onramp Funds offers fast, frictionless funding that scales with your store's real-time performance. Because repayment is based on sales volume — not fixed dates — Onramp’s model adapts to seasonal highs and lows. You can stock up before peak periods and pay back only as revenue comes in.
- Same-day funding available
- No credit check or financial paperwork
- Pay-as-you-sell structure
- Built specifically for eCommerce sellers
Kickfurther
Why It’s Great for Seasonal Businesses:
Kickfurther enables businesses to crowdfund their inventory capital and repay after the inventory sells. For companies that face long lead times and tight seasonal windows, this can be a game-changer. It works particularly well for businesses with strong past performance and recurring seasonal needs.
- Repayment begins after sales start
- Works well with longer inventory cycles
- Suited for retail, wholesale, and DTC businesses
Wayflyer
Why It’s Great for Seasonal Businesses:
Wayflyer’s revenue-based financing adjusts based on your actual income, making it ideal for businesses with sharp seasonal fluctuations. Combined with their inventory planning tools, Wayflyer helps sellers forecast and fund high-demand periods in advance.
- Flexible, revenue-tied repayment
- Built-in analytics to forecast demand
- Available globally for eCommerce brands
Clearco
Why It’s Great for Seasonal Businesses:
Clearco provides funding for inventory and ad spend based on real-time performance data. Their revenue-share repayment model suits companies ramping up for high-volume seasons — especially DTC brands preparing for major campaigns.
- Non-dilutive capital
- Automated approval based on store data
- Good fit for larger brands scaling seasonally
Also Worth Considering
- 8fig – Milestone-based funding for long-term, planned seasonal cycles
- Settle – Offers extended vendor payment terms, ideal for large seasonal restocks
- Payability – Advances future marketplace payouts for Amazon and Walmart sellers
