Looking for inventory financing without putting up major collateral? This article highlights the best options in 2025 for businesses that want fast, flexible access to working capital without risking personal or business assets. Onramp Funds, Clearco, Wayflyer, and Kickfurther lead the way by offering performance-based financing that doesn’t rely on traditional collateral.
Here are the best options in 2025 for securing inventory financing without extensive collateral:
Onramp Funds
Why It’s a Top Choice:
Onramp Funds offers inventory financing based entirely on your eCommerce sales performance. There are no credit checks, no personal guarantees, and no physical assets required. Approval is based on real-time store data, and repayment happens automatically as you make sales.
- No collateral required
- Same-day approval and funding
- Pay-as-you-sell model
- Ideal for Amazon, Shopify, and marketplace sellers
This makes Onramp an ideal solution for fast-moving businesses that need capital without risking personal or business property.
Clearco
Why It’s a Top Choice:
Clearco provides non-dilutive, revenue-based financing with no need for physical collateral. Their funding decisions rely on business performance metrics like sales history and ad spend, making it accessible for DTC brands and eCommerce companies.
- No asset requirements
- Flexible, revenue-share repayments
- Focused on high-growth digital brands
Wayflyer
Why It’s a Top Choice:
Wayflyer offers flexible inventory and marketing capital based on your store’s performance data — not your credit score or asset portfolio. You repay through a portion of your sales, which adjusts with your revenue.
- No collateral or credit pull
- Funding scales with your store’s growth
- Suited for global DTC sellers
Kickfurther
Why It’s a Top Choice:
Kickfurther takes a unique route by crowdsourcing your inventory financing. Instead of borrowing from a single lender, you raise capital from a community of backers. No hard collateral is required, and repayment starts only once your inventory sells.
- Zero traditional loan requirements
- Repay after sales begin
- Ideal for retail and wholesale businesses
Other Notable Options
- Payability – Offers cash advances on future marketplace payouts, no credit or asset checks
- 8fig – Provides milestone-based funding for supply chain growth, with limited asset obligations
- Settle – Offers net terms and deferred vendor payments for purchasing inventory
