Funding Options for Amazon Sellers in 2026, Compared on What They Publish

Amazon sellers have more funding options than most eCommerce businesses, and the reason is the payout data. Your marketplace disbursement history is clean, verifiable and easy to underwrite against, which is why several providers exist purely to lend against it.

That also produces a specific risk: several of these products repay themselves out of your Amazon payouts, so stacking two of them puts two claims on the same money. Everything below was read from each provider's own website, most recently on October 15, 2026.

Why Amazon sellers run short of cash

Since March 12, 2026, Amazon has held North American sellers' funds until seven days after each order is delivered. Amazon calls this the Delivery Date Based Reserve, and sellers call it DD+7. Add transit time and the bank transfer, and EcomCrew estimates the wait from sale to cash at 14 to 27 days for FBA orders and 20 to 35 days for FBM orders on standard shipping.

Your inventory still has to be paid for on your supplier's schedule, so the gap shows up as a cash shortfall even in a profitable month. It is why two kinds of product exist for Amazon sellers: ones that give you capital you have not earned yet, and ones that pay out your earned sales sooner. See how the Amazon payout schedule works.

Amazon Lending is not an Amazon loan

This is the most common misunderstanding about Amazon seller finance. Amazon Lending arranges financing through third-party providers for eligible US small and medium-sized businesses. Amazon is the distribution channel, not the lender, so the rate, the term and the eligibility come from whoever makes the offer.

Two things Amazon does publish are useful. Applying does not impact your personal credit. And most decisions are made within one business day on average, with approved funds typically disbursed within two business days.

What it does not publish is any pricing, term or threshold, because those are not Amazon's to publish. You cannot apply on your own either. Offers appear in Seller Central for sellers who are eligible, so read the specific offer rather than the program page.

The ones you approach directly

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 to see an offer. It supports Amazon alongside eight other platforms: Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe, which matters if Amazon is not your only channel. 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, and the rolling cash line is a revolving capacity that grows with sales. Funds typically arrive in one to two business days, and no equity is taken.

SellersFi serves Amazon and direct-to-consumer sellers, with approvals and disbursement in as fast as 48 hours. It also provides some of the financing offered through Amazon Lending in Seller Central. It publishes no pricing, revenue minimum or repayment terms, so those are questions rather than facts.

8fig requires 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, and funds against supply chain steps rather than as a lump sum.

Wayflyer requires average monthly revenue of $10,000 over the preceding six months, at least six months of trading for physical goods businesses, and incorporation in one of its listed countries, which include the US. It does not work with dropshippers and only funds businesses that hold their own stock. You choose biweekly or monthly repayments, in fixed amounts or as a percentage of sales.

Clearco funds eCommerce businesses that sell physical products online and generate $100,000 or more per month over six or more months. Repayment is debited from your connected bank account, and Clearco states it does not otherwise require collateral or personal guarantees. At that revenue floor it suits larger sellers only.

The payout accelerators

Payability advances marketplace earnings for Amazon and Walmart sellers, paid out daily. It qualifies sellers on marketplace sales history and performance, runs no credit checks but does perform a standard background check of public records, and states it has made over $6 billion in daily payments to more than 10,000 Amazon sellers since 2015.

The cost is easy to miss: the daily payout program carries daily fees for advancing sales. You are paying to receive your own money sooner, so the honest comparison is the annualized cost of moving it forward by a couple of weeks.

Payoneer sizes marketplace offers from the earnings history of your Amazon, Walmart or other marketplace store, up to 140% of average monthly payout capped at 750,000 USD, and collects a fixed percentage of incoming payments until settlement completes, over up to 6 months for marketplace sellers. The dependency is that your payouts have to route through Payoneer in the first place.

What is open to you at your revenue level

Published minimums narrow the list quickly. These are the thresholds each provider states, not a guarantee of an offer.

• Under $10,000 a month. Payability and Payoneer publish no revenue minimum and work from your marketplace sales. Amazon Lending is open only if an offer appears in Seller Central.
• $10,000 to $100,000 a month. Onramp Funds and Wayflyer both start at $10,000 a month with six months of history. 8fig starts at $12K a month and $100K a year. Payability, Payoneer and SellersFi remain options.
• Over $100,000 a month. Clearco becomes available, and the rest of the list still applies.

What it costs, worked through

Most providers here charge a flat fee rather than interest, which makes the headline number look smaller than an annual rate. Compare the total amount you repay, and how long you have the money for.

Onramp Funds charges a flat fee as low as 9% of the funded amount, which is $4,500 on $50,000. The fee is disclosed upfront, does not compound, and longer terms cost more. Subject to credit eligibility; rates and terms may vary. Your offer states the exact fee.

Wayflyer's own example shows a $7,200 fee on $100,000 of financing. Payability charges daily fees on advanced sales rather than one fee, and the others publish no figure. Run your own numbers in the funding calculator.

What happens to repayment when sales drop

For most Amazon sellers this matters as much as the fee, because nearly every store has slower months.

• Share of sales. Onramp Funds' variable option, Payoneer's fixed percentage of incoming payments, and Wayflyer's percentage-of-sales option all shrink when your payouts shrink.
• Fixed amounts. Onramp Funds' fixed option and Wayflyer's fixed option keep the same payment whatever your sales do. That is easier to plan around and harder in a slow month.
• Set by the offer. Amazon Lending terms come from the provider making the offer, so check the agreement for what happens if sales fall.
• Advances on earned sales. Payability fees apply to sales you have already made, so a slow week means less advanced and less in fees.

One option that is not available to you

Shopify Capital comes up constantly in Amazon seller discussions. It is limited to select merchants in the United States, Canada, the United Kingdom and Australia, and requires at least 90 days selling on Shopify. It underwrites Shopify revenue. Running a Shopify storefront alongside Amazon does not make your Amazon revenue fundable through it.

The stacking problem, specific to Amazon

• Count the claims on your payout. Payability takes daily fees against advanced sales. Payoneer collects a fixed percentage of incoming payments. Two of those at once means two deductions from the same disbursement before you see anything.
• Separate acceleration from capital. Payability moves money you have already earned. The others give you money you have not. Only one of those increases the total capital available to you.
• Check the channel coverage. If half your revenue is off Amazon, a provider that only sees Amazon will size your offer on half your business.
• Ask what the third party is. On an Amazon Lending offer, the counterparty is not Amazon, and the terms are theirs.

If you want to talk to a person first

Most of these providers are built around an online application. If you would rather talk your situation through before connecting a store, Onramp Funds lets you book a call with a funding advisor first. For the others, ask before you apply whether you get a named contact or a support queue, because it matters when an offer needs adjusting mid-season.

Frequently asked questions

Does Amazon lend to sellers directly?

No. Amazon Lending arranges financing through third-party providers for eligible US small and medium-sized businesses. Amazon publishes decision and disbursement times but no rate, term or eligibility threshold, because those belong to the provider making the offer.

What if Amazon has not offered me Amazon Lending?

You cannot apply for Amazon Lending on your own. Offers appear in Seller Central for sellers who are eligible, and Amazon does not publish the criteria. Onramp Funds, Payability, Payoneer, SellersFi, 8fig, Wayflyer and Clearco all accept sellers without an Amazon invitation, subject to their own requirements.

What is the fastest option for an Amazon seller?

On published figures, Onramp Funds states funds typically arrive in one to two business days. Amazon Lending states most decisions within one business day on average and funds typically within two business days, and SellersFi states approval and disbursement in as fast as 48 hours. Payability pays out daily once you are set up.

Can I get funding without a credit check?

Onramp Funds runs no personal credit check to see an offer. Payability runs no credit checks but does perform a standard background check of public records. Amazon states applying does not impact your personal credit. Confirm the current position before applying.

What happens to my repayments if Amazon sales drop?

It depends on the structure. Repayments taken as a share of sales or payouts, such as Onramp Funds' variable option, Payoneer and Wayflyer's percentage option, fall when sales fall. Fixed schedules stay the same. Amazon Lending terms are set by the provider making the offer.

Is Payability cheaper than a funding advance?

Not necessarily. The daily payout program carries daily fees for advancing sales, and you would have received that money anyway. Work out the annualized cost of pulling a payout forward by two weeks before comparing it to a funding fee.

Can Amazon sellers use Shopify Capital?

Only for Shopify revenue, and only with at least 90 days selling on Shopify in one of four countries. It does not underwrite your Amazon sales.

See the funding structures, read how underwriting works, or read the longer guide to funding options for Amazon sellers.

Details were read from each provider's own website, most recently on October 15, 2026. Terms change without notice, so confirm before applying.