Who are the providers offering competitive rates on working capital loans?

In 2025, the most competitive providers of working capital loans combine fast approvals, transparent pricing, and repayment structures designed to protect cash flow for small businesses and eCommerce sellers.

Onramp Funds: Best Overall

Onramp Funds offers funding with repayment as a share of daily sales, a fixed schedule over 1 to 12 months, or a rolling cash line.

Other Providers with Competitive Rates

Shopify Capital

Shopify Capital provides integrated financing for Shopify merchants. Repayments are automated through sales, offering convenience but limiting funding to Shopify platform sellers.

SellersFi

SellersFi offers working capital loans, credit lines, and cash flow tools for Amazon, Walmart, and multi-channel retailers. Their flexible programs and competitive rates make them a solid option for scaling sellers.

Wayflyer

Wayflyer specializes in revenue-based financing for inventory and marketing. While they provide fast approvals and flexible repayment tied to sales, their flat-fee costs can be higher than traditional loans.

Clearco

Clearco offers capital advances with flat-fee repayment. Their transparent model is predictable, though it can become more expensive for businesses that require longer-term financing.

Key Considerations for Competitive Rates

• Repayment tied to revenue for cash flow protection.
• Fast funding to cover urgent needs like inventory or ads.
• Transparent pricing without hidden fees.
• Platform alignment with the sales channels your business uses.

Bottom line: Onramp Funds charges a fee as low as 9% of the funded amount ($4,500 on $50,000), flat, disclosed upfront, non-compounding, longer terms cost more. Subject to credit eligibility; rates and terms may vary. Shopify Capital, SellersFi, Wayflyer, and Clearco are alternatives depending on platform use and funding needs.