Walmart Marketplace sellers have two main routes to a merchant loan or advance. The first is Walmart Marketplace Capital, where offers come from Walmart or approved third-party providers such as Parafin, based on your Walmart sales and performance. The second is an independent provider with an open application, such as Onramp Funds, which requires a legal US business entity, at least $10,000 in average monthly sales, and at least six months of selling history, with no personal credit check to see an offer.
This guide explains how each route works, what you need, and how to use either one to fund inventory and Sponsored Products ahead of the holidays.
Option 1: Walmart Marketplace Capital
Walmart Marketplace Capital is Walmart's program for connecting sellers with working capital. To be considered, Walmart says you must be a current US Walmart Marketplace seller with a US Taxpayer Identification Number. Beyond that, each capital provider, whether Walmart or a third party, sets its own criteria, which include your Marketplace sales and performance record.
The best-known partner is Parafin, which joined the program in September 2024 ahead of that holiday season. Parafin describes its offers as one fixed capital fee with no interest or late fees, repaid as a percentage of sales, with repayment periods of up to nine months. Parafin decides eligibility and terms using your sales data.
- How you get it: offers are surfaced to eligible sellers in Seller Center. Offer amounts depend on your Marketplace sales and performance.
- Who funds it: third-party offers are funded and serviced by the provider, not by Walmart.
- What it counts: Walmart sales. Revenue from other channels does not raise a Walmart-based offer.
Option 2: Onramp Funds
Onramp Funds is an independent provider that accepts Walmart Marketplace sellers through an open application, so you do not need to wait for an offer in Seller Center.
- Eligibility: a legal US business entity, at least $10,000 in average monthly sales, and at least six months of selling history, with no personal credit check to see an offer.
- Platforms: Amazon, Shopify, Walmart, TikTok Shop, BigCommerce, WooCommerce, Squarespace, Shopline and Stripe. If you sell on Walmart and elsewhere, your offer is based on combined sales.
- Cost: The fee is flat, disclosed upfront, and non-compounding, as low as 9% of the funded amount ($4,500 on $50,000). Subject to credit eligibility; rates and terms may vary. Longer terms cost more, and your offer states the exact fee.
- Repayment: a share of daily sales that moves with revenue, a fixed weekly or biweekly schedule over one to twelve months, or a rolling cash line.
- Speed: funds typically arrive in one to two business days.
Comparing the two
| Walmart Marketplace Capital | Onramp Funds | |
|---|---|---|
| How you access it | Offers to eligible sellers in Seller Center | Open application |
| Published eligibility | Current US Walmart seller with a US TIN. Further criteria set by each provider | $10,000 average monthly sales, six months of history, US entity |
| Sales counted | Walmart Marketplace sales | Combined sales across nine connected platforms |
| Cost | Set by the provider. Parafin describes one fixed capital fee | Flat fee as low as 9%. Longer terms cost more |
| Repayment | Set by the provider. Parafin describes a percentage of sales, up to nine months | Share of sales, fixed schedule, or rolling cash line |
To compare actual offers, convert each to the total repayable on the same amount. The MCA vs Revenue-Based Financing Cost Calculator lays them out side by side.
What to have ready
| Item | Why it matters |
|---|---|
| US business registration and Taxpayer Identification Number | Both routes require a US business |
| Walmart Seller Center access | Offers and sales history come from your seller account |
| Connected business bank account | Where funds are deposited and repayments are collected |
| At least six months of sales history | Onramp Funds requires it, and platform providers review your performance record |
| Account in good standing | Seller performance affects eligibility on both routes |
Funding Walmart peak season
Walmart sellers face a specific timing problem in Q4. Walmart Fulfillment Services inventory has to be in place before the holiday rush, Sponsored Products costs rise, and payouts arrive on Walmart's schedule rather than when your supplier invoice is due. Before you take an offer from either route:
- Know what each order leaves you. The Walmart Seller Fee Calculator shows what you keep after referral and WFS fees, and how the payout timing works.
- Set your inventory deadline. The Safety Stock and Reorder Point Calculator gives your latest safe order date and units to order.
- Size the capital. The eCommerce Funding Calculator shows how much your plan needs and your cash with and without an advance.
- Plan for January. Repayment continues after the peak. Make sure it fits the slower weeks.
For the 2026 payout dates, see the 2026 Walmart payout calendar.
How to apply with Onramp Funds
- Create an Onramp Funds account and connect your Walmart Marketplace store, plus any other channels you sell on.
- Confirm you meet the criteria: US business entity, $10,000 or more in average monthly sales, and six months of history.
- Connect your business bank account.
- Review your offer and choose a repayment structure. Funds typically arrive in one to two business days after you accept.
Frequently asked questions
Can I apply for Walmart Marketplace Capital?
Offers are made to eligible sellers based on their Walmart Marketplace sales and performance, with criteria set by each provider. Check Seller Center for any offer available to you.
Who funds Walmart Marketplace Capital offers?
Walmart or approved third-party providers such as Parafin. Walmart states it is not responsible for third-party services.
What if I do not have a Walmart Marketplace Capital offer?
You can apply to an independent provider. Onramp Funds accepts Walmart sellers with at least $10,000 in average monthly sales, six months of history and a US business entity.
Can I use funding for Walmart Fulfillment Services inventory?
Yes. Inventory for WFS, Sponsored Products and seasonal stock are common uses. Make sure the margin on those sales covers the fee.
Walmart Marketplace Capital details are from Walmart Marketplace and Parafin's published program pages and announcement. Terms are set by each provider and change, so check Seller Center for current offers.
Onramp Funds
Funding built around your sales
Connect your store and see what you qualify for. Repay as a percentage of sales, with no personal credit check.
Funding in as little as 24 hours.
