Expansion planning usually starts with what you want to spend. It should start with what you can actually raise, because offer sizes are set by published formulas tied to your existing revenue, and those formulas are less generous than most expansion plans assume.
Every figure below was read from each provider's own website on 6 August 2026. Where a provider publishes a formula, it is stated. Where it does not, that is stated too.
| Provider | Published range | What the offer is calculated from |
|---|---|---|
| Wayflyer | $5k to $20m | Typically 1.5 to 3 times monthly revenue, subject to underwriting |
| Settle | $20K to $15M | Real payables and purchasing data |
| Shopify Capital | Up to $2M | Real-time Shopify sales data |
| Payoneer | Up to 140% of average monthly payout, capped at $750,000 | Marketplace earnings history |
| Kickfurther | Up to 100% of inventory costs | The inventory order itself, paid to your supplier |
| 8fig | Not published | Supply chain steps in the funded plan |
| Clearco | Not published | Capacity that refreshes as you repay |
| Onramp Funds | Not published | Connected sales across nine platforms |
The multiple is the constraint, not the ceiling
Wayflyer is the only provider here that publishes its multiple: typical offers of 1.5 to 3 times monthly revenue, subject to underwriting. That is worth sitting with, because it reframes the whole exercise.
A brand doing $60,000 a month is looking at roughly $90,000 to $180,000, not the $20m headline. The headline is the top of the range across all customers. Your number is a function of your revenue, and expansion capital is therefore capped by the business you already have rather than the business you are trying to build.
Payoneer is the other one that publishes a formula: up to 140% of average monthly payout, capped at 750,000 USD, over settlement periods of up to 6 months, calculated from the earnings history of your Amazon, Walmart or other marketplace store. Same principle, tighter multiple.
The two that fund forward rather than backward
This is the real distinction for an expansion, and it is not about size.
Kickfurther funds up to 100% of inventory costs and pays the supplier directly, so the amount is set by the order rather than by a multiple of trailing revenue. If your expansion is a large inventory buy, that formula is structurally better suited than a revenue multiple. The gate is high: US-based brands at $400K+ in trailing 12-month revenue, or $200K to $400K with purchase orders from major retailers.
8fig funds every step of your supply chain rather than issuing a single lump sum, so the amount tracks the plan rather than the trailing number. Its published criteria are 6+ months in business, $12K+ average monthly revenue over the last 3 months, $100K+ annual revenue, and a business based in the U.S. or Canada.
If you are expanding into a step change in inventory, a provider that sizes on the order beats a provider that sizes on last quarter. If you are expanding into ads, headcount or a new channel, the reverse.
Capacity that refreshes instead of a single number
Clearco offers a Rolling Funding Capacity that replenishes as you repay, so you do not stop and reapply. It takes no collateral, asks for no personal guarantees and uses capped weekly payments. The gate is 12 or more months of consistent revenue above $100,000 USD per month.
Onramp Funds' rolling cash line is a revolving capacity that grows with sales and can be drawn as often as every two weeks. Alongside it are a variable option that repays as a share of sales moving with revenue, and a fixed option repaid weekly or every two weeks over one to twelve months. Requirements are 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, across nine platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe. There is one transparent fee with no hidden costs and no equity is taken.
For a phased expansion, a capacity that refreshes is usually better than a single larger advance, because it matches the money to the spend rather than parking it.
Two corrections to the previous version
This page previously said Wayflyer repayment does not adjust to sales drops. Wayflyer publishes that you remit the funding amount plus its fixed fee over a timeframe that aligns with your business cycles, which is a different and less rigid arrangement than the page described.
It also said Clearco repayment begins immediately even if revenue lags. Clearco publishes capped weekly payments with no collateral and no personal guarantees. The original framing was not sourced from Clearco.
Planning an expansion against these formulas
- Size the raise before you size the plan. On a published multiple of 1.5 to 3 times monthly revenue, work out your realistic band first. Most expansion plans are built at three to five times what the formula will produce.
- Match the formula to the spend. Inventory expansions suit providers that size on the order. Channel and marketing expansions suit providers that size on revenue.
- Prefer capacity to a lump sum for phased work. A rolling facility that refreshes costs you less on the parts of the plan you have not executed yet.
- Remember the offer grows with you. Every formula here is a multiple of trailing performance, so a successful first round mechanically raises the second.
Frequently asked questions
How much can I borrow against my eCommerce revenue?
Wayflyer is the only provider here that publishes a multiple: typically 1.5 to 3 times monthly revenue, subject to underwriting. Payoneer publishes up to 140% of average monthly payout, capped at $750,000. Everyone else sizes offers individually without publishing the formula.
What is the largest published offer?
Wayflyer publishes up to $20m and Settle up to $15M, both top-of-range figures rather than typical ones. Shopify Capital publishes up to $2M and Payoneer up to $750,000. Onramp Funds, Clearco and 8fig publish no ceiling.
Can I get funding sized on my expansion plan rather than my history?
To a degree. Kickfurther funds up to 100% of an inventory order and pays your supplier directly, and 8fig funds against the steps in a supply chain plan. Both still assess your trading history first, and Kickfurther publishes a $400K trailing revenue floor.
Does taking funding now reduce what I can raise later?
Ask each provider directly, because none publishes an answer. What is published is that Clearco's capacity refreshes as you repay, Onramp Funds' rolling cash line grows with sales, and Shopify Capital may make you eligible for another round once a certain percentage of the current one is repaid.
What can I spend expansion funding on?
Wayflyer states it sends cash directly to your bank account with no spend restrictions. Kickfurther pays your manufacturer directly, so it funds inventory specifically. Settle finances purchase orders and supplier payment terms. Check this before you apply, because it varies more than the cost does.
See the funding structures or read how underwriting works.
Figures were read from each provider's own website on 6 August 2026. Terms change without notice, so confirm current criteria before applying.
