Inventory financing is not one product. The five options below are four genuinely different structures, and the structure decides the only two questions that matter when you are buying stock: when repayment starts, and what happens if the inventory sells slower than you planned.
Speed is the usual comparison and it is the least useful one. Everything here was read from each company's own website on 6 August 2026.
| Provider | Structure | When repayment starts | Published floor |
|---|---|---|---|
| Kickfurther | Consignment, not a loan | When the inventory starts selling | $400K+ trailing 12-month revenue, or $200K with retailer POs |
| 8fig | Capital released against supply chain steps | Per the funded plan | $12K+ monthly revenue, $100K+ annual, 6+ months, US or Canada |
| Payability | Acceleration of earnings you already made | Immediately, as daily fees | Not published |
| Clearco | Capacity plus invoice funding | Capped weekly payments | 12+ months, more than $100,000 USD per month |
| Onramp Funds | Variable, fixed, or a rolling cash line | Variable moves with sales; fixed is scheduled | $10,000 monthly sales, 6+ months selling history |
Consignment: you pay after it sells
Kickfurther is the only genuinely different structure on this list. It is a consignment agreement rather than a loan, it funds up to 100% of inventory costs and pays your supplier directly, and it does not show up on your balance sheet as debt.
The mechanics follow from that. Funding goes to your manufacturer, and you make no payments until you receive and start selling the inventory. There are no fixed payments; you repay as inventory sells. If stock sells slower than expected, the timeline can be extended, which may adjust your costs.
Cost is a funding fee plus a monthly consignment fee set by the marketplace, and pricing improves as you complete more deals. Approval typically happens in 72 hours. A previous version of this page said about a week.
The bar is high and specific: US-based brands at $400K+ in trailing 12-month revenue, or $200K to $400K with purchase orders from major retailers.
Staged supply chain capital: money released against a plan
8fig funds every step of your supply chain rather than issuing a single lump sum, so capital arrives against the plan it was underwritten for. Funding is equity-free, takes no collateral and does not affect credit score, and an offer comes back in 24 hours or less.
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. That is the most accessible floor of the three inventory-specific options here.
The trade is control. Capital tied to a plan is less useful when the plan changes, which for most sellers it does. A previous version of this page put 8fig approval at 2 to 5 days; the published figure is an offer in 24 hours or less.
Acceleration: not financing at all
Payability belongs in a different category and it is worth being clear about that before comparing costs. It advances marketplace earnings for Amazon and Walmart sellers, paid out daily. That is money you already earned, arriving sooner.
Qualification is on marketplace sales history and performance. Payability runs no credit checks, though it does run a standard background check of public records. The daily payout program carries daily fees for advancing sales.
Because you would have received the money anyway, the honest comparison is the annualised cost of pulling it forward by a couple of weeks, not a comparison against a funding fee. A previous version of this page named a Payability product and a funding timeline that do not appear anywhere on payability.com. Both have been removed.
Sales-linked capital: general purpose, inventory included
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, across nine supported platforms. The variable option repays as a share of sales that moves with revenue. The rolling cash line is a revolving capacity that grows with sales and can be drawn as often as every two weeks. There is one transparent fee with no hidden costs.
The relevant difference from Kickfurther and 8fig is that the capital is not tied to a specific purchase order or production plan, so it can fund a stock buy or anything else. The relevant difference from Payability is that it is capital against future sales rather than acceleration of past ones.
Clearco sits nearby, with capped weekly payments, no collateral and no personal guarantees, plus an Invoice Funding option that pays vendor invoices directly. Its published bar is 12+ months of consistent revenue of more than $100,000 USD per month, which rules most sellers out. A previous version of this page put Clearco's floor an order of magnitude lower.
The question to ask: what if it does not sell?
- Consignment: repayment is tied to sell-through, and Kickfurther states the timeline can be extended if stock moves slowly, with a possible cost adjustment.
- Sales-linked: a variable structure collects a share of sales, so it takes less when you sell less. A fixed schedule does not.
- Capped weekly payments: the cap limits the maximum, not the minimum. The payment still arrives on a slow week.
- Acceleration: there is nothing to repay, because it is your money. The fee is charged either way.
- Staged capital: the money is committed to a plan. If the plan changes, the flexibility you thought you bought may not be there.
Frequently asked questions
What is the difference between inventory financing and a working capital advance?
Inventory-specific products such as Kickfurther and 8fig attach the money to the stock or the supply chain step, and in Kickfurther's case pay your supplier directly. General working capital, such as Onramp Funds' variable option, arrives in your account and can fund anything. Attaching capital to inventory can lower the cost and reduce what you can do with it.
Which inventory option has the lowest entry requirement?
Of the two inventory-specific options, 8fig publishes the lower floor at $12K+ average monthly revenue and $100K+ annual revenue. Kickfurther publishes $400K+ trailing twelve month revenue, or $200K to $400K with retailer purchase orders. Onramp Funds publishes $10,000 in monthly sales for general capital.
Is Kickfurther debt?
No. Kickfurther states it is a consignment agreement rather than a loan, and that it will not show up on your balance sheet.
Can I use Payability to buy inventory?
You can use the cash for anything, but understand what you are paying for. Payability accelerates marketplace earnings you have already made, with daily fees for advancing sales. It does not increase the total amount of capital available to you, it changes when you get it.
How fast is approval?
Kickfurther publishes approval typically in 72 hours. 8fig publishes an offer in 24 hours or less. Onramp Funds and Payability publish no approval time. Ask for a current figure in writing rather than relying on any published best case, including the ones on this page.
See the funding structures or read how underwriting works.
Details were read from each provider's own website on 6 August 2026. Terms change without notice, so confirm current criteria before applying.
