There is a structural problem with funding rapid inventory growth that no comparison table usually mentions: almost every provider sizes your offer on what you sold, not on what you are about to sell.
Grow 40% in a quarter and your offer is still built on the quarter before. The money arrives a lap behind the demand that created the need for it. Knowing which providers look backward and which look forward matters more than approval speed.
| Provider | What the offer is sized on | Direction |
|---|---|---|
| Wayflyer | Typically 1.5 to 3 times monthly revenue | Backward |
| Payoneer | Up to 140% of average monthly payout | Backward |
| Shopify Capital | Real-time sales data, up to $2M | Backward |
| Amazon Lending | Set by the third-party provider making the offer | Backward |
| Payability | Marketplace earnings already made | Backward by definition |
| Kickfurther | Up to 100% of the inventory order | Forward |
| 8fig | The steps in your supply chain plan | Forward |
| Settle | Purchase orders and supplier invoices | Forward |
Backward-looking underwriting, and why it is not a flaw
Wayflyer typically offers 1.5 to 3 times monthly revenue, subject to underwriting. Payoneer offers marketplace sellers up to 140% of average monthly payout, calculated from marketplace earnings history. Shopify Capital generates offers from real-time sales data up to $2M, with eligibility determined automatically by a model analysing sales, disputes and customer engagement.
This is prudent underwriting, not a defect. A multiple of demonstrated revenue is exactly how a lender avoids funding a growth curve that turns out to be a spike. The cost is that it caps you at the business you already have.
Amazon Lending is worth naming precisely here: it arranges financing through third-party providers for eligible US small and medium-sized businesses. Amazon is not the lender, so the terms come from whoever makes the offer.
Payability is backward-looking by definition. It advances marketplace earnings you have already made, with daily fees for advancing sales. It cannot fund growth you have not booked yet, which is fine as long as you know that is what you are buying.
The three that size on the thing you are buying
Kickfurther funds up to 100% of inventory costs and pays the supplier directly, sizing the deal on the order rather than on trailing revenue. That is the cleanest answer to the lag problem on this page. It reviews financials, sales trajectory and inventory sell-through, with approval typically in 72 hours, and works with 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. 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.
Settle finances large purchase orders, seasonal inventory and supplier payment terms based on real payables and purchasing data. Same principle: the PO is the underwriting object.
Note what all three have in common. They fund forward because the money is attached to something specific. That is the trade you make for escaping the revenue multiple.
Where Onramp Funds fits
Onramp Funds is a backward-looking, sales-linked option, and it is worth being straight about that on a page about growth lag. It 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 platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe.
What partly offsets the lag is the rolling cash line, a revolving capacity that grows with sales and can be drawn as often as every two weeks. A facility that re-sizes as you grow catches up faster than a one-off advance does. Alongside it are a variable option repaying as a share of sales that moves with revenue, and a fixed option repaid weekly or every two weeks over one to twelve months. There is one transparent fee with no hidden costs and no equity is taken.
If your growth is a single large inventory order, Kickfurther or Settle fit the shape better. If it is sustained and multi-channel, a facility that grows with sales fits better.
Working around the lag
- Apply on your strongest trailing period, not your average. Every backward-looking formula reads recent months, so timing an application after a strong quarter materially changes the offer.
- Use a purchase order as leverage. Kickfurther drops its floor from $400K to $200K with retailer POs. A signed order is worth more than revenue at the margin.
- Prefer a facility that re-sizes. A rolling capacity that grows with sales closes the gap automatically. A fixed advance does not.
- Do not solve a lag with a bigger advance. Taking more than the formula supports means servicing it out of revenue that has not arrived. That is how a growth problem becomes a cash flow problem.
Frequently asked questions
Why is my funding offer smaller than I need?
Because it is calculated from what you have already sold. Wayflyer publishes typical offers of 1.5 to 3 times monthly revenue. Payoneer publishes up to 140% of average monthly payout. If your plan needs more than the multiple produces, the answer is usually a different structure rather than a bigger advance.
Which provider funds against a purchase order?
Kickfurther funds up to 100% of inventory costs and pays your supplier directly. Settle finances large purchase orders and supplier payment terms. Both size on the order rather than on trailing revenue.
Is Amazon Lending an Amazon loan?
No. Amazon Lending arranges financing through third-party providers, so the rate, term and sizing come from the provider making the offer rather than from Amazon.
How fast is Shopify Capital?
Shopify publishes funding in as quick as two business days once approved. A previous version of this page said a few days, which understates it slightly.
Can I get funding based on forecast growth?
Only indirectly. 8fig funds against the steps in a supply chain plan and Kickfurther against a specific order, but both still assess trading history before they will look at the plan. No provider on this page funds a forecast alone.
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.
