Here is the uncomfortable finding from checking every provider on this page against its own website: almost none of them publishes a rate. Not a range, not a starting figure, nothing.
Three do. Two of them are government-backed. The third is Onramp Funds, which publishes a flat fee typically ranging between 2 and 8%. Everyone else publishes a shape of pricing, a fee that is flat or fixed or transparent, and leaves the number to your individual offer. Any guide quoting you a factor rate range or an APR band for these companies produced it from somewhere other than the company.
An earlier version of this page quoted four such benchmark ranges and two provider-specific rates. All six are gone, because none of them could be traced to a source. Everything below was read from each provider's own website, and from sba.gov, on 6 August 2026.
What each provider actually publishes about cost
| Provider | Published cost information | Number you can compare? |
|---|---|---|
| SBA 7(a) Working Capital Pilot | Rate capped as a margin over a base rate, banded by size: base plus 6.5% down to base plus 3.0% | Yes |
| SBA microloan | Generally between 8% and 13%, varying by intermediary lender | Yes |
| Onramp Funds | A flat fee, typically ranging between 2 and 8%, remitted as a percentage of daily sales as low as 1%, with no monthly minimums | Yes |
| Kickfurther | A funding fee plus a monthly consignment fee, improving as you complete more deals | Structure only |
| Payoneer | A flat percentage of the advance amount | Structure only |
| Wayflyer | One fixed fee, remitted over a timeframe aligned to your cycles | Structure only |
| Shopify Capital | Nothing. Term and maximum only | No |
| Bluevine | Nothing beyond "attractive rates and terms" | No |
| Fundbox | Nothing, except no early repayment fees | No |
| Clearco | Nothing, except early payment without penalty and no blanket liens | No |
The one number to ask for
Stop asking for a rate. Ask every provider the same question, in writing:
"On $50,000, what is the total amount I will repay, and over what period?"
That single figure is comparable across a factor rate, a flat fee, a consignment fee and a bank margin, because it collapses all of them into money and time. A rate is not comparable across those structures, which is part of why so few providers offer one.
Then ask the second question: "What changes that number?" On a percentage-of-sales structure the period moves with your revenue, so the total can be right while the timing is not. On a fixed fee the total is set and the timing is aligned to your cycles. Those behave very differently in a slow quarter even at identical headline cost.
The three options that publish an actual number
SBA 7(a) has a maximum loan amount of $5 million. Under the Working Capital Pilot the rate is capped as a margin over a base rate, from base plus 6.5% on the smallest facilities down to base plus 3.0% above $350,000, with a maximum maturity of 60 months. SBA does not lend directly: 7(a) funding comes from participating lenders under an SBA guarantee, so eligibility and the final rate within the cap are set by that lender, not by SBA.
SBA microloans go up to $50,000, average about $13,000, run to a maximum of seven years, and carry rates that generally fall between 8% and 13% depending on the intermediary lender.
Both are genuinely cheaper on a rate basis than anything else here. Both are also slower, smaller relative to a growing eCommerce business, and mediated by a lender whose own criteria are not published.
Onramp Funds is the only private provider on this page that publishes a cost figure. It states that you repay the funded amount along with a flat fee, typically ranging between 2 and 8%, and that you remit this based on a percentage of your daily sales, as low as 1%, with no monthly minimums or fixed payments.
Read that carefully, because a flat fee is not a rate and the two are not interchangeable. A flat fee is applied once to the amount funded, so it does not shrink if you repay quickly and it does not grow if repayment takes longer. What moves is the timing, because the remittance comes out of daily sales. The 2 to 8% is the published range; your own figure is set on your own sales.
A note on this page's own record: an earlier version stated that Onramp Funds published no fee figure. That was wrong, and it was wrong in a way that made a disclosing provider look like a non-disclosing one. The range is published on its how-it-works page.
A correction that matters more than any rate
An earlier version of this page recommended Funding Circle to US businesses, with a loan range and a starting rate. Funding Circle no longer operates in the United States, after agreeing in March 2024 to sell its US business to iBusiness Funding.
A US reader following that recommendation would have found nothing at the other end. That is the practical cost of guides that are not re-checked.
The providers that publish a structure but not a number
Wayflyer charges one fixed fee remitted over a timeframe aligned with business cycles, and offers financing from $5k to $20m with typical offers of 1.5 to 3 times monthly revenue subject to underwriting.
Payoneer charges a flat percentage of the advance amount, offering marketplace sellers up to 140% of average monthly payout capped at 750,000 USD, over settlement periods of up to 6 months.
Kickfurther charges a funding fee plus a monthly consignment fee set by the marketplace, and its pricing improves as a brand completes more deals, which is unusual and worth knowing if you expect to fund repeatedly.
The four that publish nothing on cost
Shopify Capital publishes offers up to $2M, a maximum repayment term of 18 months, and repayment as a fixed percentage of daily sales taken only on days you sell. No fee, no rate.
Bluevine publishes a line of credit up to $250,000 and "attractive rates and terms", plus real minimums: $10,000 in monthly revenue, a 625+ personal FICO score and 12+ months in business.
Fundbox publishes no early repayment fees and up to $250,000. Clearco publishes early payment without penalty and no blanket liens. Neither gives a cost.
Frequently asked questions
What is a competitive working capital rate right now?
Three providers publish a number. The SBA microloan range is generally 8% to 13%, the 7(a) Working Capital Pilot caps the rate as a margin over a base rate, and Onramp Funds publishes a flat fee typically ranging between 2 and 8%. Every other private provider on this page prices per offer with nothing published. Compare total repayable, not rates.
Why do so few providers publish pricing?
Because offers are underwritten individually on your sales, and because the structures are not comparable. A factor rate, a flat fee and a bank margin do not convert into one another cleanly. That is a real reason, but it also means the burden of comparison sits entirely with you.
Is a factor rate the same as a rate?
No, and conflating them is how sellers overpay. A factor rate multiplies the amount funded to give a total repayable, and it does not fall if you repay early. A rate accrues over time, so repaying early costs less. Ask which one applies before you sign, and ask what happens if you repay early.
Is a flat fee better than a rate?
Neither is better in the abstract; they answer different questions. A flat fee tells you the total cost on day one and never moves, which makes budgeting simple but means early repayment saves you nothing. A rate accrues, so it rewards repaying early and punishes taking longer. Match the structure to how predictable your sales are.
Should I just take the cheapest offer?
Not if the structures differ. A slightly more expensive facility that collects a share of sales can be safer than a cheaper one with a fixed weekly payment, because the second one does not shrink in a bad month. Price the risk of your worst month, not just the headline.
Can I still use Funding Circle in the US?
No. Funding Circle sold its US business to iBusiness Funding in March 2024 and no longer operates in the United States.
See the funding structures or read how underwriting works.
Cost information was read from each provider's own website and from sba.gov on 6 August 2026. Terms change without notice, so confirm current figures before applying.
