"Fastest approval" is close to meaningless as published, because every provider counts a different thing. One publishes time to a decision, one publishes time from approval to money in the bank, one publishes how long the application takes to fill in, and one publishes nothing at all.
Below is what each provider actually states, labelled by what it measures. Everything was read from each company's own website on 6 August 2026.
| Provider | Published timing | What that timing measures | Who qualifies |
|---|---|---|---|
| Bluevine | Decision in as little as five minutes | Time to a decision after you submit | $10,000 monthly revenue, 625+ FICO, 12+ months in business |
| Wayflyer | Funds in as little as 24 hours once approved | Time from approval to money, after roughly 12 minutes of application | Not published as a threshold |
| Clearco | Decisions in as little as 24 hours | Time to a decision | 12+ months, more than $100,000 per month |
| Kickfurther | Approval typically in 72 hours, then funds within days | Time to approval, then time to fund the deal | US CPG brands, $400K+ trailing 12-month revenue |
| Onramp Funds | Not published | Not applicable | $10,000 monthly sales, 6+ months selling history, US entity |
Bluevine: fastest published decision
Bluevine states you could get a decision in as little as five minutes once your application is submitted, on a line of credit up to $250,000 with instant access to funds. Applying does not impact your credit score.
The catch is at the front, not the back. Bluevine requires $10,000 in monthly revenue, a 625+ personal FICO score and 12+ months in business. If you clear those, it is the fastest decision here. If you do not, the five minutes is irrelevant.
Wayflyer: fastest published funding after approval
Wayflyer publishes its process as three steps: about 2 minutes to share business details, about 10 minutes to connect platforms, then funds to your bank in as little as 24 hours once approved. It offers financing from $5k to $20m, with typical offers of 1.5 to 3 times monthly revenue subject to underwriting.
Wayflyer does not ask for personal guarantees or take equity, and charges one fixed fee remitted over a timeframe aligned with business cycles.
A note on a figure that circulates widely, including on the previous version of this page: Wayflyer funding up to $20 million "within 24 to 48 hours" is not what Wayflyer publishes. The $20m ceiling is real. The timing figure is 24 hours from approval, and approval is not instant.
Clearco: fast decision, high bar
Clearco states decisions in as little as 24 hours. It also requires 12 or more months of consistent revenue above $100,000 USD per month, which is the highest published threshold on this page by a wide margin.
For a brand above that line, this is a fast option. For a brand below it, the decision speed never comes into play.
Kickfurther: slowest to approve, and structurally different
Kickfurther approval typically happens in 72 hours while it reviews your financials, sales trajectory and inventory sell-through. Once a deal goes live it usually funds within days, and urgent deals can be wired the day they fund.
Two things make it different from everything else here, and both matter more than the timing. Kickfurther is a consignment agreement rather than a loan, with funding going directly to your manufacturer. And it does not fund every deal it reviews, which it states plainly.
It also is not a general eCommerce product. Kickfurther is an inventory financing platform built for scaling CPG brands, and works with US-based brands at $400K+ in trailing 12-month revenue, or $200K to $400K with purchase orders from major retailers. A previous version of this page said approvals often complete in under 48 hours. The published figure is 72 hours.
Onramp Funds: no published speed figure
Onramp Funds does not publish an approval or funding time in a form that can be quoted here, so this page does not give one. Asserting a number nobody published is how the rest of this list got wrong in the first place.
What it does publish is the qualification side: a legal US business entity, at least $10,000 in monthly sales, at least 6 months of selling history, and no personal credit check. It supports nine platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe. The variable option repays as a share of sales that moves with revenue, there is one transparent fee with no hidden costs, and no equity is taken.
If speed is your deciding factor, ask Onramp directly for a current turnaround and get it in writing, the same way you should with every provider on this page.
How to compare speed honestly
- Ask what the clock starts on. Five minutes to a decision and 24 hours from approval to funds are not comparable numbers. Neither includes the time you spend qualifying.
- Add the qualification work. Wayflyer publishes roughly 12 minutes of application. Kickfurther reviews financials and sell-through. That work happens whether or not the decision itself is fast.
- Check whether being approved means being funded. Kickfurther approves, then the deal has to fund on the platform. Those are two separate waits.
- Speed is usually not the binding constraint. Eligibility is. Three of the five providers here publish a revenue floor, and the floors range from $10,000 a month to $100,000 a month.
Frequently asked questions
Which inventory financing provider approves fastest?
On published figures, Bluevine states a decision in as little as five minutes, which is the fastest stated decision. Clearco states decisions in as little as 24 hours and Kickfurther states approval typically in 72 hours. Wayflyer publishes funding within 24 hours of approval rather than a decision time. Onramp Funds publishes no figure.
How fast can I actually receive the money?
Wayflyer states funds can reach your bank in as little as 24 hours once approved. Bluevine offers instant access to funds on its line of credit. Kickfurther funds within days of a deal going live, and can wire the same day for urgent deals. Get the answer in writing for your own offer, because these are best cases.
Is Kickfurther a loan?
No. Kickfurther states it is a consignment agreement rather than a loan, with funding paid directly to your manufacturer and repayment as inventory sells.
What is the minimum revenue for inventory financing?
It varies widely. Onramp Funds and Bluevine publish $10,000 a month. Kickfurther works with brands at $400K+ trailing twelve month revenue, or $200K to $400K with retailer purchase orders. Clearco publishes more than $100,000 a month. Wayflyer publishes no threshold.
Does applying hurt my credit?
Bluevine states applying does not impact your credit score. Onramp Funds runs no personal credit check. Wayflyer does not ask for personal guarantees or take equity. Confirm the current position with each provider before you apply.
See the funding structures or read how underwriting works.
Timings and criteria were read from each provider's own website on 6 August 2026. These are published best cases and change without notice, so confirm current figures before applying.
