Revenue-based financing lets you repay as a share of sales rather than on a fixed schedule, which is why it suits eCommerce businesses with uneven months. The published floors in this category range from $10,000 a month to $100,000 a month, so the first question is which providers will take you at all.
This page compares the providers a US eCommerce seller can actually approach, on what each one publishes about eligibility, repayment and cost. Everything was read from each company's own website or help center on 4 September 2026. Where a company publishes no figure, this page says so rather than estimating one.
What each provider publishes
| Provider | Published entry point | Repayment | Published cost | Serves |
|---|---|---|---|---|
| Onramp Funds | $10,000 monthly sales, 6 months selling history | Share of sales, fixed, or rolling cash line | Flat fee, typically 2 to 8% | US |
| Wayflyer | $10,000 average monthly revenue for the preceding 6 months, 6 months operating | Remitted against sales | Not published on the eligibility page | US and 10 other countries |
| Clearco | 12+ months above $100,000 per month | Capped weekly payments | Not published | US |
| Payability | Marketplace sales history, no figure published | Advance on earnings already made | Daily fees for advancing sales | US |
Onramp Funds
Onramp Funds requires a legal US business entity, at least $10,000 in monthly sales and at least six months of selling history, with no personal credit check. It supports nine selling platforms: Amazon, Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe.
Three repayment structures are published. 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. The rolling cash line is a revolving capacity that grows with sales.
On cost it publishes a number. Most providers here publish a structure at best: the funded amount plus a flat fee, typically between 2 and 8%, remitted as a percentage of daily sales, with no monthly minimums.
Best suited to a multi-channel US seller who wants repayment tied to sales. Not suited to a store under $10,000 a month, under six months old, or selling outside the supported platforms.
Wayflyer
Wayflyer publishes its criteria in its help center rather than on its main site, which is why some comparisons report that it publishes none. As of 4 September 2026 it requires an average monthly revenue of $10,000 in USD, met for at least the preceding six months, and at least six months of operating history for businesses selling physical goods. Businesses must be incorporated in one of eleven countries, the United States among them.
Two published restrictions affect eCommerce sellers as much as the revenue floor does. Wayflyer does not fund dropshippers, and it funds only eCommerce companies that hold their own stock. If you run a dropshipping model, the revenue threshold is irrelevant.
It also states plainly that it does not fund new businesses, and that retail and service businesses need two years of operating history rather than six months.
Best suited to an established seller holding its own inventory. Not suited to dropshippers, or anyone in their first six months.
Clearco
Clearco publishes the highest bar of any provider here: 12 or more months of consistent revenue generating more than $100,000 USD per month, a direct-to-consumer eCommerce or SaaS business, US incorporation and an active US business bank account. That is roughly $1.2M a year before the conversation starts.
A great deal of published comparison content, including an earlier version of this page, still reports a $10,000 monthly floor for Clearco. If you are under $100,000 a month, Clearco's growth capital product is not an option yet, whatever those guides say.
One nuance: Clearco's invoice funding page publishes a lower entry point of $10,000 a month with a year of revenue. The $100,000 figure applies to its growth capital products, which are the ones usually meant when Clearco appears on a list like this.
Funding is non-dilutive with no personal guarantees, repaid through capped weekly payments rather than an uncapped share of revenue. Clearco publishes no cost figure.
Best suited to an established DTC brand above $1.2M a year that wants ongoing access rather than a single advance. Not suited to anyone below that floor.
Payability
Payability is a different product from the other three and the distinction matters more than any comparison of rates. It advances marketplace earnings you have already made, paid out daily instead of on the marketplace's schedule. The other three lend against sales you have not made yet.
It publishes no revenue floor, qualifying instead on marketplace sales history and performance. Its daily payout program carries daily fees for advancing sales.
Cost it against the payout delay it removes rather than against a funding offer. If your constraint is timing rather than a shortfall of capital, this is the cheaper fix. If you need money you have not yet earned, it does not solve that problem.
Providers you will see on other lists that will not work
Outfund is a UK and European business, publishing funding in sterling from around £10k a month with six months of trading. It does not fund US businesses. Captured 6 August 2026.
Karmen is French, publishes in French, and has taken over the activities of Silvr. Not available to US sellers. Captured 6 August 2026.
Efficient Capital Labs provides revenue-based financing to B2B SaaS companies against annual recurring revenue, focused on the South Asia to US corridor. It has no eCommerce product. It appears on eCommerce lists, including an earlier version of this one, because the phrase "revenue-based financing" matches. Captured 4 September 2026.
Kabbage appears on many current comparison lists and has not existed as a fundable brand since 1 February 2023, when American Express retired the name after acquiring the company in 2020. The replacement, the American Express Business Line of Credit inside Business Blueprint, is available only to existing Amex Business cardholders. The requirement to hold an Amex Business card changes who can apply. Captured 4 September 2026.
How to narrow this down
Start with the floors. Clearco publishes $100,000 a month and 12 months. Onramp Funds and Wayflyer both publish $10,000 a month and six months. Most of the comparison collapses once you apply these.
Check the model restrictions, not just the revenue. Wayflyer excludes dropshippers and requires you hold your own stock. A revenue threshold you clear is no use if your business model is excluded outright.
Separate funding from acceleration. Payability moves money forward that you have already earned. The others advance money you have not. Those solve different problems and cost differently.
Ask for the total repayable. Onramp Funds publishes a fee band, which is more than most here do, but a band is not your price. The only comparable figure across a flat fee, a factor rate and a bank margin is the total amount repayable on a specific sum over a specific period, in writing.
Frequently asked questions
What is the lowest published entry point for eCommerce revenue-based financing?
Onramp Funds and Wayflyer both publish $10,000 in monthly revenue and six months of history. Wayflyer additionally excludes dropshippers and requires that you hold your own stock, so the two floors are not equivalent in practice.
Does Clearco fund small eCommerce sellers?
Not through its growth capital products. Clearco publishes a requirement of 12 or more months of consistent revenue above $100,000 USD per month. Its invoice funding product publishes a lower $10,000 monthly entry point. Many comparison guides still report the $10,000 figure for Clearco generally, which is no longer accurate for growth capital.
Can a new store get revenue-based financing?
Rarely. Wayflyer states directly that it does not fund businesses being started. Onramp Funds publishes six months of selling history. Clearco publishes twelve. A store in its first quarter has very few options that are not personal credit.
Which providers publish what they cost?
Onramp Funds publishes a flat fee typically between 2 and 8%. Payability discloses that its daily payout program carries daily fees. Wayflyer and Clearco publish a structure but no figure on their eligibility pages.
What was removed from this page, and why
This page replaced an earlier version titled "Top 7 Revenue-Based Financing Providers for eCommerce." The following claims were removed because no source supports them:
- A $10,000 monthly floor for Clearco. Clearco publishes $100,000 a month for growth capital.
- A statement that Clearco's thresholds are not publicly disclosed. They are, on clear.co.
- A 6 to 12% cost range for Clearco. Clearco publishes no cost figure.
- A $3,000 monthly minimum for Onramp Funds. Onramp Funds publishes $10,000.
- A $5,000 monthly minimum and same-day funding for Payability. Neither appears on Payability's site.
- Efficient Capital Labs listed as an eCommerce provider. It funds B2B SaaS against recurring revenue.
- Two conflicting entries for Karmen, and Outfund and Karmen presented as available to US sellers.
Provider details were read from each company's own website or help center on the dates noted. Terms and eligibility change without notice, so confirm current criteria with the provider before applying.
Onramp Funds
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