The best financing for most TikTok Shop sellers is revenue-based: capital upfront, repaid as a share of sales, so payments move with the volatile order volume TikTok Shop creates. TikTok's own program, TikTok Shop Capital, is invitation-only. For sellers without an invitation, Onramp Funds takes open applications and requires a legal US business entity, at least $10,000 in average monthly sales, and at least six months of selling history, with no personal credit check to see an offer.
Your options at a glance
| Option | How you get it | Best for |
|---|---|---|
| Onramp Funds | Open application | Funding inventory and creator campaigns before sales arrive, with repayment tied to sales across TikTok Shop and other channels |
| TikTok Shop Capital: Early Settlement | Invitation in Seller Center | Getting paid sooner on orders that have already shipped |
| TikTok Shop Capital: Daily Advance (Storfund) | Invitation in Seller Center | Advancing up to 80% of net sales on shipped orders |
| TikTok Shop Capital: Flex and Term Loans (Parafin) | Invitation in Seller Center | A lump sum repaid from sales or on a fixed schedule |
| Bank or SBA loan | Bank application | Established businesses with strong credit and time to wait |
Onramp Funds
Onramp Funds is built for eCommerce sellers and connects directly to TikTok Shop to underwrite on real sales data. Because it counts sales from every connected store, a seller splitting volume between TikTok Shop, Shopify and Amazon is assessed on the total.
- Eligibility: a legal US business entity, at least $10,000 in average monthly sales, and at least six months of selling history, with no personal credit check to see an offer.
- Platforms: Amazon, Shopify, Walmart, TikTok Shop, BigCommerce, WooCommerce, Squarespace, Shopline and Stripe, underwritten on combined sales.
- Cost: The fee is flat, disclosed upfront, and non-compounding, as low as 9% of the funded amount ($4,500 on $50,000). Subject to credit eligibility; rates and terms may vary. Longer terms cost more, and your offer states the exact fee.
- Repayment: a share of daily sales, a fixed schedule over one to twelve months, or a rolling cash line.
- Speed: funds typically arrive in one to two business days.
A shop under $10,000 a month or with less than six months of history will not qualify. Those thresholds are published so you can check before applying.
TikTok Shop Capital
TikTok Shop Capital is TikTok's umbrella for seller funding. It is invitation-only, offers appear in Seller Center under Finances, then Capital, and TikTok states that it is not a lender itself. Early Settlement is TikTok's own. Daily Advance comes from Storfund, and Flex and Term Loans come from Parafin. For a full breakdown, see how TikTok Shop Daily Advance and TikTok Shop Capital work.
Early Settlement and Daily Advance only speed up money from orders that have shipped. They cannot fund a purchase order for stock you have not sold yet, which is the main peak-season need.
Merchant cash advances and bank loans
Merchant cash advances are also repaid from future sales, but they are often priced with a factor rate that is hard to compare against a flat fee. Bank and SBA loans can cost less but usually require strong personal credit, several years of financial history and weeks of processing. Compare any offer on the total amount repayable on the same sum, using the MCA vs Revenue-Based Financing Cost Calculator.
Funding peak season inventory
Holiday stock has to be ordered and paid for weeks before it sells, and marketplace payouts add more delay. Before you accept any offer:
- Set your order date. The Safety Stock and Reorder Point Calculator gives your latest safe Q4 order date and units to order.
- Check the margin. The TikTok Shop Fee Calculator shows what you keep after TikTok Shop fees and affiliate commission, and when the payout lands.
- Size the capital. The eCommerce Funding Calculator shows how much the plan needs and your cash with and without an advance.
- Plan for January. Repayment continues after the peak, when sales usually drop.
Frequently asked questions
Can TikTok Shop sellers get revenue-based financing?
Yes. Onramp Funds accepts TikTok Shop sellers with a legal US business entity, at least $10,000 in average monthly sales, and at least six months of selling history, with no personal credit check to see an offer.
Can I apply for TikTok Shop Capital?
No. It is invitation-only. Offers appear in Seller Center under Finances, then Capital.
What is the best way to fund Q4 inventory on TikTok Shop?
Use financing that pays before the sales happen, such as a revenue-based advance, and confirm the margin on the extra stock is larger than the fee. Payout acceleration helps once orders are shipping.
TikTok Shop Capital details are from the TikTok Shop Academy Capital guide (updated 7 July 2026), read on 17 September 2026.
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.
