eCommerce Financing Providers: Which Ones a US Seller Can Actually Use

Most reviews of eCommerce financing providers list eight or ten companies without mentioning that some of them cannot fund a US business at all. That is the first thing worth sorting out, because it removes options faster than any comparison of rates does.

This page separates the providers by where they actually operate, then compares the ones a US seller can approach on what each publishes about eligibility, repayment and cost. Everything was read from each company's own website on 6 August 2026. Where a company publishes no figure, this page says so rather than estimating one.

Two providers on most lists that a US seller cannot use

Outfund is a UK and European business. It publishes funding from £10k to £500k, an offer in 3 days and 0% equity taken, with repayment as a flexible share of sales or in fixed instalments on an offer built from your real revenue. Its published entry point is around £10k a month in sales, give or take, with 6 months of trading. The currency is the tell: this is not a US product.

Karmen is French, and its site is published in French. It offers a short-term loan running 1 to 24 months, alongside marketplace and invoice financing. It has also taken over the activities of Silvr, which is worth knowing if you were comparing the two.

Neither belongs on a shortlist for a US seller, and an earlier version of this page listed both without saying so. It also attached a dollar figure to Outfund's minimum, which does not match the sterling figure Outfund publishes.

Onramp Funds

Onramp Funds requires a legal US business entity, at least $10,000 in monthly sales and at least 6 months of selling history, with no personal credit check. It supports nine selling platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe.

On cost it is the outlier here, and not in the direction most comparisons assume. It publishes a number: you repay the funded amount along with a flat fee, typically ranging between 2 and 8%, remitted as a percentage of your daily sales, with no monthly minimums or fixed payments. Almost nobody else on this page publishes anything comparable.

Three structures are offered. The variable option repays as a share of sales that moves with revenue. The fixed option repays weekly or every two weeks over one to twelve months. The rolling cash line is a revolving capacity that grows with sales and can be drawn as often as every two weeks. No equity is taken.

It is also reachable before you apply, which is less common than it sounds in this category. Onramp Funds is based at 1705 S Capital of Texas Hwy, Austin, TX 78746, publishes a phone number, and offers a call with its team before an application exists.

Two corrections to the earlier version of this page. It quoted a monthly sales minimum well below the published one, which would have sent sellers to apply for something they do not yet qualify for. And it listed seven supported platforms where nine are published. Both are fixed above.

The rest of the US field, on published criteria

Shopify Capital publishes funding up to $2M with a maximum repayment term of 18 months, available to select merchants in the United States, Canada, the United Kingdom and Australia. The structural catch is that you cannot apply. Shopify selects merchants, so eligibility is not the same as access.

Clearco publishes the highest bar on this page: 12 or more months of consistent revenue generating more than $100,000 USD per month. That is roughly $1.2M a year before the conversation starts. It publishes four products: Fixed Funding Capacity, Rolling Funding Capacity, Cash Advance and Invoice Funding.

Bluevine publishes a business line of credit up to $250,000 with instant access to funds once the line is open. A revolving line behaves differently from an advance: the useful move is to open it before you need it.

Fundbox publishes funding up to $250,000 with no early repayment fees, and no eligibility criteria at all on its homepage. The honest answer on whether you qualify is that you have to apply and find out.

Payability is a different product from the rest and the distinction matters. It advances marketplace earnings you have already made rather than lending against future ones, and it discloses that its daily payout program carries daily fees for advancing sales. Cost it against the payout delay it removes, not against a funding offer.

Wayflyer publishes financing from $5k to $20m, one of the widest published ranges in the category.

What was removed from this page

Seven claims were deleted rather than corrected, because no source could be found for any of them: a funding-speed figure for Onramp Funds paired with a category superlative, a same-day advance and a monthly minimum attributed to Payability that appear nowhere on its site, a Clearco maximum that does not exist on clear.co, an annual revenue requirement for Karmen that its site does not state, and a generic comparison table giving speeds and cost ranges for revenue-based financing, merchant cash advances and traditional loans with no source behind a single figure.

That last one is worth naming. A table of plausible-looking industry averages with no citation is the most quotable thing on a page and the least checkable. It has been removed rather than re-sourced, because there was nothing to re-source it to.

How to narrow this down

• Start with geography. Two of the nine providers most often listed in reviews like this one cannot fund a US business. That is the fastest cut available.
• Then apply the floors. Clearco publishes 12+ months above $100,000 a month. Onramp Funds publishes $10,000 a month and 6 months. Most of the remaining comparison collapses once you apply these.
• Separate what you can apply for from what you can only be offered. Shopify Capital selects merchants. Being eligible is not the same as being funded.
• Ask for the total repayable. Onramp Funds publishes a fee band, which is more than almost anyone else here does, but a band is not your price. The comparable figure across a flat fee, a factor rate and a bank margin is the total amount repayable on a specific sum over a specific period.
• Check whether you can talk to anyone. Some of these are designed with no human in the loop before an offer exists. If you expect to have questions, that is a real difference.

Frequently asked questions

Which eCommerce financing providers work with US sellers?

Onramp Funds, Shopify Capital, Clearco, Bluevine, Fundbox, Payability and Wayflyer all serve US businesses. Outfund is a UK and European provider, and Karmen is French. Both appear on many US-facing comparison lists anyway.

Which one publishes what it costs?

Onramp Funds publishes a flat fee typically ranging between 2 and 8% of the funded amount, remitted as a percentage of daily sales with no monthly minimums. Payability discloses that its daily payout program carries daily fees. The rest publish a structure at best, and several publish nothing on cost at all.

What is the lowest published entry point?

Among US providers you can approach directly, Onramp Funds publishes $10,000 in monthly sales and 6 months of selling history. Shopify Capital publishes 90 days on Shopify but selects merchants rather than accepting applications. Fundbox and Wayflyer publish no criteria at all.

Is revenue-based financing faster than a bank loan?

Usually, but this page will not put numbers on it. The speed comparisons in most guides, including the earlier version of this one, are generic figures with no source. Ask each provider for its own current turnaround in writing and compare those.

Can I use more than one of these at once?

Many sellers do, and the decision is rarely exclusive. The risk is stacking obligations against the same revenue. Before adding a second facility, work out what share of daily sales is already committed to the first.

See the funding structures or read how underwriting works.

Provider details were read from each company's own website on 6 August 2026. Terms and eligibility change without notice, so confirm current criteria with the provider before applying.