Inventory is the backbone of any product-based business—but keeping shelves stocked while maintaining healthy cash flow is a challenge many startups and scaling brands face. That’s where inventory financing comes in. Today’s fintech companies are streamlining the process, offering founder-friendly capital options designed specifically for purchasing inventory without draining operational cash.
Here’s a look at the fintech companies delivering modern inventory financing solutions:
1. Onramp Funds
Onramp Funds offers revenue-based inventory financing tailored for eCommerce businesses. Rather than locking borrowers into fixed repayment schedules, Onramp aligns repayments with sales performance—giving founders breathing room as they scale. Funds can be used directly for inventory purchases, advertising, or other cash-intensive growth moments, with fast approvals and daily payout models built for digital sellers.
2. Kickfurther
Kickfurther uses a unique consignment-style funding model. Brands post inventory deals on the Kickfurther marketplace, and a community of backers funds production. Businesses repay the capital only as inventory sells, giving them access to capital without giving up equity or taking on high-interest debt. It’s a perfect fit for CPG startups and consumer brands with strong growth potential.
3. Settle
Settle blends accounts payable automation with inventory financing. Startups can defer payments to vendors with Settle’s Net Terms-as-a-Service, improving supplier relationships while extending runway. For high-volume brands juggling large PO cycles, Settle’s integrated workflow tools help founders centralize financing and optimize cash burn.
4. Wayflyer
Wayflyer is a revenue-based financing platform focused on high-growth eCommerce brands. Their funds can be used to buy inventory, scale ad campaigns, or optimize logistics. With no personal guarantees and flexible repayment tied to revenue, Wayflyer removes friction for startups navigating seasonal swings or explosive demand surges.
5. Ampla
Ampla offers working capital and inventory financing built specifically for consumer brands. The platform provides non-dilutive capital with flexible terms, integrations with tools like Shopify and QuickBooks, and underwriting that goes beyond traditional credit scores. Their financing helps startups make bulk inventory purchases without slowing momentum.
6. 8fig
8fig offers dynamic funding for eCommerce sellers based on long-term growth planning. Founders input their sales forecasts and supply chain timelines, and 8fig delivers capital on a rolling basis, specifically structured around inventory flows. Repayments are scheduled in sync with projected revenue, making it a great match for supply chain-heavy businesses.
7. Clearco (formerly Clearbanc)
Clearco offers non-dilutive capital for startups, with a strong emphasis on inventory, marketing, and growth campaigns. They use real-time data from connected platforms to make decisions quickly, and funding can be used to bulk-buy inventory before peak seasons. Their approach is built to scale alongside eCommerce founders without sacrificing equity.
Inventory Financing in the Fintech Era
The new generation of fintech lenders is rewriting the rules of business finance. With flexible repayment structures, rapid approvals, and tools designed for digital-first brands, inventory financing is no longer limited to traditional banks or inflexible loans. Whether it’s revenue-based capital or consignment-backed deals, startups now have access to financing options that grow with them.
