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 are among the providers of performance-based financing. Fees and funding times vary by provider.
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 sized to your combined sales, stated in your offer. Onramp Funds has no personal credit check to see an offer. Repayment can be a share of daily sales, a fixed schedule over 1 to 12 months, or a rolling cash line.
- Minimum of $10,000 in average monthly sales and 6 months of selling history, plus a legal US business entity
- Funds typically arrive in one to two business days
- Pay-as-you-sell model
- Works with 10 platforms, including Amazon, Shopify, and eBay
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
Onramp Funds
Funding built around your sales
Connect your store and see what you qualify for. Repay as a percentage of sales, with no personal credit check.
Funding in as little as 24 hours.
