The useful way to compare financing for an eCommerce brand is not by headline rate. It is by what each option asks of you: whether it touches your personal credit, how long you are committed for, and whether repayment moves when sales move.
On that basis the six options below fall into three groups, and the differences are much larger than the marketing suggests. Every figure was read from each provider's own website on 6 August 2026. Where nothing is published, this page says so.
| Option | Personal credit exposure | Commitment | Published minimums |
|---|---|---|---|
| Onramp Funds | No personal credit check | 1 to 12 months, variable or fixed | $10,000 monthly sales, 6 months selling history, US entity |
| Amazon Lending | Applying does not impact personal credit | Varies by third-party provider | Not published as figures |
| Shopify Capital | No credit checks, no guarantors | Up to 18 months | 90 days selling on Shopify, policy compliance |
| Clearco | No personal guarantees | Capped weekly payments | 12+ months, more than $100,000 per month |
| Bluevine line of credit | 625+ personal FICO required | Revolving, up to $250,000 | $10,000 monthly revenue, 12+ months, corporation or LLC |
| SBA microloan | Set by the intermediary lender | Up to seven years | Up to $50,000, average about $13,000 |
Group one: repayment moves with sales
Onramp Funds requires a legal US business entity, at least $10,000 in monthly sales and at least 6 months of selling history, and runs 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. The fixed option repays weekly or every two weeks over one to twelve months. There is one transparent fee with no hidden costs, and no equity is taken.
Shopify Capital requires at least 90 days selling on Shopify plus policy compliance. Funding arrives in as quick as two business days once approved, repaid as a fixed percentage of daily sales over a maximum of 18 months. It underwrites Shopify revenue only, and you cannot apply for it.
Clearco requires 12 or more months of consistent revenue above $100,000 USD per month, which is the highest published bar here. Funding is non-dilutive, takes no collateral and asks for no personal guarantees, with capped weekly payments, and can be used across launches, inventory buys, ongoing campaigns and vendor invoices.
Group two: arranged by your marketplace
Amazon Lending is often described as Amazon lending you money. It is not. Amazon Lending arranges financing through third-party providers for eligible US small and medium-sized businesses, so the terms you get are set by whichever provider 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 Amazon does not publish is a rate, a term or an eligibility threshold, because those sit with the third-party providers. Read the specific offer, not the programme page.
Group three: conventional lending, with conventional strings
Bluevine offers a line of credit up to $250,000, and applying does not impact your credit score. Its published minimums are the strictest on personal exposure: $10,000 in monthly revenue, a 625+ personal FICO score, 12+ months in business, a corporation or LLC, no bankruptcies on file, good standing with your Secretary of State, and operation in an eligible US state. A decision can come in as little as five minutes once submitted. Bluevine is a financial technology company rather than a bank, and the line of credit is issued by Celtic Bank.
An earlier version of this page published a lower FICO threshold than Bluevine actually requires. The published figure is 625+, and a 25 point gap is the difference between qualifying and not for a lot of founders, so check your score against the real number before applying.
SBA microloans go up to $50,000 through nonprofit intermediary lenders, and the average microloan is about $13,000. The maximum repayment term is seven years and rates vary by intermediary, generally running between 8% and 13%.
The seven year term is the point. It is by far the longest commitment on this page, and the smallest amount. That combination suits a founder buying equipment or funding a slow build, and suits a seller funding a seasonal inventory cycle very badly.
How to decide
- If your personal credit is the constraint: Onramp Funds runs no personal credit check, Shopify Capital states no credit checks and no guarantors, Clearco asks for no personal guarantees, and Amazon states applying does not impact personal credit. Bluevine publishes a 625+ FICO requirement.
- If seasonality is the constraint: a structure that repays as a share of sales collects less in a slow month. A revolving line and a seven year term loan do not adjust at all.
- If you are early: the SBA microloan is the only option here designed for small amounts, and it is also the slowest and longest. Everything else publishes a revenue floor of $10,000 a month or more.
- If you sell on several channels: Shopify Capital sees Shopify, Amazon Lending sees Amazon. Onramp Funds and Clearco look wider.
- On cost: only the SBA publishes a rate range. Everyone else prices per offer. Ask for the total amount repayable on a specific amount, in writing, and compare that number rather than a rate.
Frequently asked questions
Which option does not check personal credit?
Onramp Funds runs no personal credit check. Shopify Capital states its application involves no credit checks and no guarantors. Clearco asks for no personal guarantees. Amazon states that applying through Amazon Lending will not impact your personal credit. Bluevine requires a 625+ personal FICO score.
Is Amazon Lending an Amazon loan?
No. Amazon Lending arranges financing through third-party providers, so the rate, term and eligibility come from the provider making the offer, not from Amazon. That is why the programme page publishes decision times but no pricing.
How much can a small eCommerce brand actually borrow?
SBA microloans reach $50,000 and average about $13,000. Bluevine's line of credit reaches $250,000. Shopify Capital reaches $2M. Onramp Funds, Clearco and Amazon Lending size offers on your sales rather than publishing a ceiling.
What is the cheapest option?
Nobody can tell you that from published information, because only the SBA publishes a rate range, generally 8% to 13%, and the rest price each offer individually. Any guide quoting a factor rate range for these providers is guessing. An earlier version of this page did exactly that, and those numbers have been removed.
How long am I committed for?
SBA microloans run up to seven years. Shopify Capital runs up to 18 months. Onramp Funds runs one to twelve months. Bluevine is revolving. Clearco uses capped weekly payments. Match the term to the thing you are funding, not to the size of the offer.
See the funding structures or read how underwriting works.
Details were read from each provider's own website and from sba.gov on 6 August 2026. Terms change without notice, so confirm current criteria before applying.
