Ecommerce sellers have more funding options than they did five years ago, and the differences between them matter more than the headline rates. Traditional bank lending is slow, collateral-heavy, and built around personal credit. A group of specialist providers now underwrite on connected sales data instead, funding sellers on Amazon, Shopify, Walmart Marketplace, WooCommerce and other platforms.
Here is how five of the most commonly compared providers actually work, what each is built for, and where each one fits. Competitor details come from each provider's own published materials and were checked in August 2026. Terms change, so confirm current details with the provider before applying.
How the five compare
| Provider | Repayment structure | Personal guarantee | Best suited to |
|---|---|---|---|
| Onramp Funds | Flexes with sales, or fixed if preferred | No | Multi-platform sellers funding inventory and ad spend |
| Wayflyer | Fixed fee, remitted over a timeframe aligned to business cycles | No | Growth-stage brands scaling paid acquisition |
| Clearco | Capped weekly payments. Fixed or rolling capacity | No | DTC brands wanting ongoing access rather than one advance |
| Payability | Daily payouts against marketplace sales | No credit check | Marketplace sellers bridging payout cycles |
| 8fig | Remittance schedule tied to sales, set against a growth plan | No | Established sellers planning multi-stage inventory cycles |
Onramp Funds
Onramp Funds provides revenue-based financing to ecommerce sellers, underwriting on connected store data rather than personal credit. Capital is advanced against future sales, and repayment is collected as a share of revenue, so the amount moves with how the store actually performs.
Onramp connects to nine platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe. Sellers who run across several channels can underwrite on all of it from a single application.
Strengths
- Repayment flexes with sales, so slower months cost less
- No personal credit check and no personal guarantee
- Fixed repayment is available for sellers who prefer predictability
- A real funding advisor rather than an automated offer with no contact
Requirements
- At least $10,000 in monthly sales
- At least six months of selling history
- A legal US business entity
Best for: sellers funding inventory, advertising and logistics across more than one platform who want repayment tied to real sales performance.
Wayflyer
Wayflyer funds growth-stage ecommerce businesses, assessing store and advertising performance to size an offer. Sellers remit the funded amount plus a fixed fee over a timeframe that Wayflyer aligns to the business cycle, rather than paying compounding interest.
Strengths
- Fixed fee rather than compounding interest
- No personal guarantees, and Wayflyer does not take equity
- Funds can reach the bank in as little as 24 hours after approval
- Strong fit for brands whose growth is driven by paid media
Considerations
- Sizing leans on advertising performance, which suits some models better than others
- Positioned toward larger established sellers
Best for: DTC and marketplace brands scaling through Meta, Google or Amazon advertising.
Clearco
Clearco, formerly Clearbanc, funds ecommerce brands without taking equity. Its current lineup is broader than a single advance product: sellers choose between Fixed Funding Capacity, which provides a one-time amount with an estimated payment schedule, and Rolling Funding Capacity, which provides ongoing access. Invoice Funding and a Cash Advance option sit alongside both.
Strengths
- Funding is non-dilutive, with no personal guarantees
- No blanket liens on business assets
- Capped weekly payments rather than an uncapped share of revenue
- Integrates with Amazon, Stripe, BigCommerce, Square, Shopify and PayPal
Considerations
- Weekly payments continue on schedule regardless of how quickly inventory sells
- Choosing between fixed and rolling capacity requires a view on future cash needs
Best for: DTC brands that want ongoing access to capital rather than a single advance.
Payability
Payability solves a narrower problem than the others: the delay between a marketplace sale and the payout landing. It advances against sales so that sellers receive money daily rather than waiting on the platform's schedule.
Strengths
- Daily payouts against marketplace sales
- No credit checks
- Built for Amazon, Walmart and Newegg sellers
Considerations
- It accelerates money already earned rather than providing growth capital
- Costs accumulate if used continuously rather than to bridge a specific gap
Best for: marketplace sellers whose main constraint is payout timing rather than access to capital.
8fig
8fig funds against a structured growth plan rather than as a one-time advance, tying capital to supply chain stages so that money arrives when inventory needs paying for. Repayment runs on a remittance schedule based on sales, so remittances move with revenue and platform payouts rather than sitting on a fixed monthly cycle. 8fig joined Bizcap's portfolio in October 2025.
Strengths
- Capital structured around manufacturing, shipping and sell-through phases
- Remittances tied to revenue rather than fixed monthly payments
- Suited to multi-SKU sellers running several inventory cycles at once
Considerations
- Onboarding requires planning detail, so it is slower than a straight advance
- Eligibility starts around six months in operation and $100,000 in annual revenue
Best for: established sellers planning inventory across multiple stages rather than covering an immediate gap.
Frequently asked questions
Which provider offers the most flexible repayment?
Onramp Funds collects repayment as a share of sales, so the amount falls in slower months and rises in busier ones. 8fig also ties remittances to revenue. Clearco uses capped weekly payments, and Wayflyer remits a fixed fee over a timeframe aligned to the business cycle.
Can I get funding without a personal credit check?
Yes. Onramp Funds underwrites on connected sales data with no personal credit check. Payability also states that it does not run credit checks. Underwriting in this category generally looks at store performance rather than personal credit history.
Do any of these require a personal guarantee?
Onramp Funds, Wayflyer and Clearco all state that they do not require personal guarantees. Clearco additionally states that it does not place blanket liens on business assets.
Which is best for inventory-heavy growth?
8fig structures capital around supply chain stages, which suits sellers planning several inventory cycles. Onramp Funds offers inventory and purchase order financing with repayment that flexes as the stock sells.
What do I need to qualify with Onramp Funds?
At least $10,000 in monthly sales, at least six months of selling history, and a legal US business entity. Onramp connects to nine selling platforms, and sellers operating across more than one can underwrite on their combined performance.
Choosing between them
These providers are not interchangeable, and most sellers end up using more than one. The practical question is which constraint is actually binding.
- Payout timing is the problem: Payability accelerates money already earned
- Advertising is the growth engine: Wayflyer sizes offers around media performance
- Ongoing access matters more than one advance: Clearco's rolling capacity is built for that
- Inventory planning spans several stages: 8fig structures capital around the supply chain
- Sales are uneven across several platforms: Onramp Funds underwrites the combined picture and flexes repayment with it
If repayment that moves with your sales matters, and you would rather talk to a funding advisor than accept an automated offer, Onramp Funds is built for that. Offers typically come back within a couple of hours, and funding follows in one to two business days.
