Revenue-based financing (RBF) is a flexible funding option for eCommerce businesses. Instead of fixed loan repayments, it lets you pay back a percentage of your sales, making it easier to manage cash flow during both slow and busy periods. This non-dilutive funding method ensures you retain ownership of your business while accessing capital quickly.
Here are 7 leading RBF providers tailored for eCommerce businesses:
- Onramp Funds: Offers fast funding (within 24 hours) with low eligibility requirements ($3,000+ monthly sales). Supports major platforms like Shopify, Amazon, and TikTok Shop.
- Wayflyer: Provides capital in 24–48 hours for businesses with $10,000+ in monthly revenue. Operates in 11 countries, including the U.S. and Europe.
- Payability: Ideal for marketplace sellers (e.g., Amazon, Walmart) needing daily advances. Offers same-day funding.
- Clearco: Focuses on businesses with $10,000+ monthly revenue. Provides funding decisions within 24 hours using connected sales data.
- Outfund: Offers up to $2M in funding within 48–72 hours. Supports platforms like Shopify and Google Ads.
- Karmen: Serves France-based businesses with €300,000+ annual revenue. Flexible repayment terms of 6–12 months.
- Efficient Capital Labs (ECL): U.S.-focused provider with repayment tied to monthly revenue. Transparent fees and fast funding (24–72 hours).
Each provider has unique strengths, from funding speed to platform compatibility and geographic focus. Below is a quick comparison to help you choose the right fit.
Quick Comparison
| Provider | Funding Speed | Eligibility Requirements | Supported Platforms | Repayment Structure | Fee Transparency | Geographic Coverage |
|---|---|---|---|---|---|---|
| Onramp Funds | Within 24 hours | $3,000+ monthly sales | Shopify, Amazon, TikTok Shop | 2–8% of sales revenue | Fully transparent | United States |
| Wayflyer | 24–48 hours | $10,000+ monthly revenue | Shopify, Google Ads, Amazon | Fixed % of monthly revenue | Clear, no hidden fees | U.S., Europe, Australia |
| Payability | Same day | $5,000+ monthly sales | Amazon, Walmart, eBay | Daily advances | Predictable fees | United States |
| Clearco | 24 hours | $10,000+ monthly revenue | Shopify, Amazon, Facebook Ads | 6–12% of revenue | Transparent | U.S., Canada, U.K. |
| Outfund | 48–72 hours | $8,000+ monthly revenue | Shopify, Google Ads, Facebook Ads | % of monthly sales | No hidden costs | Europe, U.K. |
| Karmen | 24–48 hours | €300,000+ annual revenue | Shopify, WooCommerce, Prestashop | 3–9% of revenue | Simple fee structure | France |
| Efficient Capital Labs | 24–72 hours | Consistent revenue history | Multiple eCommerce platforms | Fixed % of monthly revenue | All fees outlined | United States |
RBF is a fast and flexible way to access funding without giving up equity. Choose a provider that matches your sales volume, location, and platform requirements to fuel your eCommerce growth.
How Ecommerce Brands Can Accelerate Growth With Revenue-Based Financing
1. Onramp Funds
Onramp Funds is a financing solution tailored specifically for eCommerce businesses. Founded by Eric Youngstrom and based in Austin, this company offers quick, equity-free funding that aligns with your sales performance - letting you retain full ownership of your business.
Funding Speed
Speed is one of Onramp Funds' key strengths. The platform offers same-day approvals, with many sellers receiving funds within 24 hours. This rapid process is made possible through simplified applications, integrations with platforms like Amazon Seller Central, and real-time sales-based underwriting. Gone are the days of lengthy paperwork and credit checks.
"I had funds in my account within a day of final approval." - Adam B.
Minimum Eligibility Criteria
Getting started with Onramp Funds is accessible, requiring only $3,000 in monthly sales. Instead of relying on personal credit scores, the platform evaluates your business based on its actual sales, making it a practical option for entrepreneurs who might not meet traditional loan requirements.
Supported eCommerce Platforms
Onramp Funds connects effortlessly with popular eCommerce platforms, including Amazon, Shopify, BigCommerce, WooCommerce, Squarespace, Walmart Marketplace, and TikTok Shop. These integrations enable real-time data analysis, speeding up approvals and ensuring funding calculations are based on accurate sales data. This integration-driven approach adapts funding to your business's unique needs.
Repayment Structure
Repayment with Onramp Funds is straightforward and flexible. Payments are tied to a percentage of your daily or weekly sales, automatically adjusting with your business's performance. During slower periods, repayments decrease, while they increase during peak sales times - offering a repayment plan that works with your cash flow.
Fee Transparency
Onramp Funds ensures clarity with a transparent fee structure. Costs range from 2% to 8% of the funded amount, with no hidden charges. This upfront pricing helps you plan your finances with confidence, eliminating surprises and making budgeting easier.
Geographic Coverage
Onramp Funds focuses on serving U.S.-based eCommerce businesses. With a team based in Austin, the company provides expert support tailored to the needs of American sellers, ensuring a personalized and knowledgeable service experience.
2. Wayflyer
Wayflyer is a global provider of revenue-based financing, supporting over 5,000 brands across 11 countries.
Funding Speed
Wayflyer offers fast access to capital, often delivering funds within 24 hours and typically under 48 hours. The application process is quick and efficient, taking about 12 minutes from account setup to data analysis, allowing businesses to secure funding without delay.
"In terms of rolling out Stripe Issuing to customers, the whole process was pretty flawless from the day we turned it on…. The Issuing card is ready in their account for them to spend; they have funding in the amount they need at the price they want to pay."
- Niall Gormley, COO, Wayflyer
Minimum Eligibility Criteria
Wayflyer keeps its eligibility requirements simple. U.S. businesses need monthly sales of at least $10,000, while companies in certain European markets must generate $20,000 in monthly sales. Operating history requirements vary, starting at 6 months for eCommerce and software businesses, and extending to 2 years for other industries. Eligible companies must sell physical products, retail services, software, or consulting and must be incorporated in one of the supported countries. Additionally, Wayflyer conducts a detailed financial review, considering factors like cash flow, revenue trends, and marketing efficiency.
Supported eCommerce Platforms
Wayflyer integrates smoothly with leading eCommerce platforms and payment systems, including Shopify, WooCommerce, Stripe, and Xero. It caters to a variety of business models, offering financing for Direct-to-Consumer (D2C) brands, Amazon sellers, and wholesale businesses.
Repayment Structure
Repayments with Wayflyer are flexible, adjusting according to daily or weekly sales. Businesses repay the funded amount plus a fixed fee over a term that aligns with their cash flow cycles. Options for repayment include daily, weekly, or bi-weekly schedules, with terms typically ranging from 3 to 9 months. For businesses needing more flexibility, a 12-month term is available through Wayflyer’s rolling financing option.
Fee Transparency
The fee structure is clear and straightforward. Businesses pay a single fixed fee, usually between 5% and 10% of the advance amount, with no hidden charges for origination, application, maintenance, or documentation. This transparent approach ensures repayment terms align with your cash flow.
Geographic Coverage
Wayflyer operates in 11 countries, including the United States, Australia, Canada, the United Kingdom, Ireland, Spain, the Netherlands, Belgium, Denmark, Germany, and Sweden. Its services extend across North America and EMEA (Europe, the Middle East, and Africa) regions.
3. Payability
Payability provides a solution for marketplace sellers looking to speed up cash flow, turning daily sales into immediate working capital. It's tailored for eCommerce businesses that can’t afford to wait for standard marketplace payout schedules.
Funding Speed
Payability is all about speed. The application process takes just a few minutes, and once approved - often within one business day - you can access accelerated payouts as early as the next day. Sellers can manage their funds through the Payability dashboard and spend immediately using the Seller Card or Visa Card. The Visa Card even supports deferred payments from Amazon.
Minimum Eligibility Criteria
Payability caters to marketplace sellers with a proven sales history and steady revenue. While specific sales thresholds aren’t publicly disclosed, the platform prioritizes consistent performance over traditional credit checks. This makes it an attractive option for sellers who want a straightforward, hassle-free approval process. Plus, it integrates smoothly with major eCommerce platforms for seamless operation.
Supported eCommerce Platforms
Payability’s services are particularly beneficial for Amazon sellers and other large marketplace participants. Its direct integration with marketplace systems automates the payout acceleration process, while the Seller Card simplifies purchases and business-related expenses.
Repayment Structure
Payability’s repayment model aligns with your daily sales. It operates on a daily advance system, where 80% of the previous day’s earnings are advanced daily, with the remaining 20% released once the marketplace payout is received. This system automatically deducts advances from your marketplace payouts, ensuring you always have access to the majority of your earnings.
Fee Transparency
Payability’s fees are tied to its acceleration services, but same-day transfer options - via ACH, wire, or Instant Transfer - are offered at no extra cost. Instead of traditional interest rates, the platform uses a fee structure based on daily advances, giving sellers with steady sales a clear and predictable cost.
Geographic Coverage
Payability serves sellers in the U.S. and beyond, offering free transfers in 180 countries. This global reach is a major advantage for international sellers looking for quick access to their marketplace earnings.
4. Clearco
Clearco serves as a growth partner for eCommerce, CPG, and DTC brands, offering financing solutions with predictable, capped weekly payments. By focusing on revenue-based financing (RBF), Clearco provides businesses with a model designed to maintain steady cash flow.
Funding Speed
Clearco simplifies the funding process by connecting directly to your sales data. Once you link your sales channels and financial accounts, Clearco quickly evaluates your funding capacity and delivers a capital decision. This efficient system ensures a fast and revenue-focused assessment.
Minimum Eligibility Criteria
Instead of relying on traditional credit scores, Clearco evaluates businesses based on their revenue performance and growth trajectory. It primarily supports established businesses with consistent sales that can demonstrate revenue through connected accounts. While specific revenue thresholds aren't publicly disclosed, Clearco generally works with companies that have outgrown the startup phase. Its easy integration with various platforms further streamlines the process of connecting the necessary data for funding.
Supported eCommerce Platforms
Clearco integrates with platforms like Amazon, Plaid, and Stripe, allowing it to pull real-time revenue data to assess eligibility and funding capacity.
Repayment Structure
Clearco's repayment system uses a capped weekly model based on a fixed percentage of your revenue. This ensures payments remain predictable, even when your revenue fluctuates. Payments begin only after the funding is deployed, and debits occur on the same day each week rather than daily. The payment amount is tied to a percentage of revenue, but it won't exceed a predetermined weekly cap. This approach ensures that during periods of revenue growth, payments remain consistent, while during slower periods, payments automatically adjust downward. By aligning repayment with revenue, Clearco provides a flexible way to manage cash flow effectively.
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5. Outfund
Outfund focuses on providing revenue-based financing tailored specifically for eCommerce businesses. Their approach allows digital sellers to expand their operations with funding solutions that adapt to their actual revenue performance.
Funding Speed
Outfund boasts a fast application process, offering funding within just 24 hours. Once approved, funds are immediately credited via a marketing card[28–30]. This speed is made possible by their proprietary technology, which evaluates real-time revenue data. For eCommerce businesses, this quick turnaround is invaluable, especially during seasonal peaks or when responding to sudden market demands.
"This allows us to provide funding of up to $2 million within 24 hours."
– Daniel Lipinski, Co-founder and CEO, Outfund
If you're looking to secure funding, it’s essential to review the eligibility criteria to see how your sales performance measures up.
Minimum Eligibility Criteria
Outfund evaluates businesses based on consistent sales performance. Instead of traditional credit scores, they analyze real-time revenue data. To apply, sellers must connect their sales and finance accounts to Outfund’s secure system. This connection enables the platform to assess revenue trends and determine suitable funding amounts.
Supported eCommerce Platforms
For funding evaluation, Outfund requires sellers to link their sales platforms to its encrypted system. If automatic integration isn't available for your platform, you can manually submit account information[32,34].
"Connect your sales and finance accounts. Securely link your platforms to our encrypted system or manually provide your accounts."
– Outfund [28,33]
This flexibility ensures that businesses using a variety of platforms can access Outfund’s services, even if direct integration isn’t an option.
Repayment Structure
Outfund employs a revenue-based repayment model. Repayments are tied to a percentage of your revenue, which helps maintain steady cash flow while meeting your obligations.
6. Karmen
Karmen focuses on providing revenue-based financing tailored for digital businesses. Their repayment model adapts to your company's real-time performance, offering flexibility that aligns with your sales cycles.
Geographic Coverage
Karmen's services are currently available only to companies based in France. This geographic limitation plays a key role in determining who qualifies for their financing options.
Minimum Eligibility Criteria
To secure funding through Karmen, eCommerce sellers must meet specific benchmarks. Your business needs to have been operational for at least 9 months and generated €300,000 (approximately $325,000) in revenue over the past year. Beyond these figures, Karmen uses its own proprietary algorithm to assess your growth potential.
Repayment Structure
Karmen's repayment system is designed to ebb and flow with your business revenue. Payments increase during high-sales months and decrease when sales slow down, ensuring you’re never overburdened. They offer flexible repayment terms of six, nine, or twelve months to suit your needs.
Fee Transparency
Karmen charges a fixed commission that ranges between 4% and 10%, depending on your business's risk profile and the repayment term you select. This straightforward fee structure ensures clarity, with no hidden costs.
Next, we’ll dive into the repayment innovations of our final provider.
7. Efficient Capital Labs (ECL)
Efficient Capital Labs (ECL) completes our list with a funding model that aligns closely with your revenue performance. By tapping into advanced analytics, ECL offers revenue-based financing tailored to your sales metrics.
Geographic Coverage
ECL focuses exclusively on the U.S. market, providing solutions specifically designed for domestic eCommerce sellers. This localized approach allows ECL to better understand and address the unique dynamics and regulatory landscape of the United States.
Eligibility Criteria
To be eligible for ECL funding, your business needs to demonstrate consistent revenue and an established operating history. They prioritize businesses with a clear growth trajectory and recurring revenue streams when assessing applications.
Funding Process
ECL simplifies its funding process through a user-friendly digital platform. Once your application is approved, funds are disbursed promptly, minimizing delays.
Repayment Structure
Repayments are calculated as a fixed percentage of your monthly revenue, making the process flexible. This structure adjusts naturally to your sales cycles, accommodating seasonal fluctuations.
Fee Transparency
ECL ensures all fees are clearly outlined upfront during the application process. This transparency eliminates surprises, so you know exactly what to expect.
Now that we've covered all seven providers, it's time to compare their key features side by side.
Provider Comparison Table
Evaluate key features to find the right revenue-based financing provider for your eCommerce business.
| Provider | Funding Speed | Eligibility Requirements | Supported Platforms | Repayment Structure | Fee Transparency | Geographic Coverage |
|---|---|---|---|---|---|---|
| Onramp Funds | Within 24 hours | $3,000+ monthly sales | Amazon, Shopify, BigCommerce, WooCommerce, Squarespace, Walmart Marketplace, TikTok Shop | 2–8% of sales revenue | Fully transparent, no hidden fees | United States |
| Wayflyer | 24–48 hours | $10,000+ monthly revenue | Shopify, Amazon, Facebook Ads, Google Ads | 2–6% of monthly revenue | Clear fee structure disclosed upfront | US, UK, EU, Australia |
| Payability | Same day | $5,000+ monthly sales | Amazon, Walmart, eBay | Fixed percentage of daily sales | Transparent pricing model | United States |
| Clearco | 24 hours | $10,000+ monthly revenue | Shopify, Amazon, Facebook, Google | 6–12% of revenue | All fees disclosed during application | US, Canada, UK |
| Outfund | 48–72 hours | $8,000+ monthly revenue | Shopify, Amazon, Google Ads, Facebook Ads | 2–8% of monthly sales | Complete fee transparency | Europe, UK |
| Karmen | 24–48 hours | $10,000+ monthly revenue | Shopify, WooCommerce, Prestashop | 3–9% of revenue | Upfront fee disclosure | Europe |
| Efficient Capital Labs (ECL) | 24–72 hours | Consistent revenue history | Multiple eCommerce platforms | Fixed percentage of monthly revenue | All fees outlined upfront | United States |
Key Differences to Consider
- Funding Speed: Providers like Onramp Funds and Payability stand out for their quick turnaround, offering funding within 24 hours or even the same day. Others, such as Outfund and ECL, may take up to 72 hours.
- Eligibility Requirements: Onramp Funds has one of the most accessible entry points, requiring just $3,000 in monthly sales, compared to the $10,000+ threshold set by many competitors.
- Platform Support: Onramp Funds shines with its broad compatibility, including major platforms like Shopify and Amazon, as well as newer channels like TikTok Shop. In contrast, European providers like Outfund and Karmen focus more on local needs, with Outfund also supporting advertising platforms like Google Ads and Facebook Ads.
- Repayment Flexibility: Onramp Funds offers repayment rates ranging from 2–8%, which is competitive compared to providers like Clearco, whose rates can go as high as 12%.
- Geographic Focus: U.S.-based sellers have several options, including Onramp Funds, Payability, Clearco, and ECL. Meanwhile, European sellers might prefer Outfund or Karmen, which cater specifically to their region.
This overview highlights how factors like funding speed, platform compatibility, and repayment terms can vary widely. Onramp Funds stands out for U.S. eCommerce businesses with its fast funding, extensive platform integrations, and transparent fee structure.
Conclusion
Revenue-based financing (RBF) offers a flexible, equity-free way to access capital that aligns with your eCommerce sales performance. It’s a quick alternative to traditional loans, helping you secure funds without the usual delays. Beyond just improving cash flow, this model supports long-term growth by adapting to your business's needs.
One of its biggest advantages is its adaptability. With RBF, you can manage inventory more efficiently and invest in marketing at the right time. This is especially useful for online retailers dealing with seasonal sales fluctuations. Instead of being locked into fixed payments, repayments adjust based on your actual sales, easing pressure during slower periods.
Unlike traditional loans, RBF provides transparency and speed. The clear criteria and terms - outlined in the comparison table above - make it easier to evaluate your options. Providers differ in their monthly sales requirements and repayment structures, so reviewing these details can help you make an informed decision.
This funding approach also eliminates hidden fees, allowing you to understand the true cost of capital upfront. Choosing the right provider can mean more than just funding; it can also bring valuable insights into eCommerce strategies and market trends.
With the right RBF solution, you can retain full ownership of your business while accessing the resources you need to grow in today’s competitive online landscape. Be sure to revisit the comparison table above to find the provider that best aligns with your goals.
FAQs
What are the main advantages of revenue-based financing for eCommerce businesses over traditional loans?
Revenue-based financing provides quick and adaptable funding specifically designed for eCommerce businesses. Unlike conventional loans, it doesn't demand collateral, personal guarantees, or equity, making it a less risky choice for sellers aiming to expand.
Repayments adjust based on your sales, so during slower months, you pay less, and when sales pick up, payments increase. This flexible structure eases financial pressure, supports better cash flow management, and lets you concentrate on growing your business - whether through boosting inventory, enhancing marketing efforts, or pursuing other opportunities - without the burden of fixed monthly payments.
What should I consider when choosing a revenue-based financing provider for my eCommerce business?
When choosing a revenue-based financing provider for your eCommerce business, there are a few important considerations to keep in mind. Start by looking at funding speed - how quickly you can access the capital you need. Also, ensure the provider offers transparent fees, so there are no surprises down the road. Another key factor is compatibility with your sales platforms, such as Amazon, Shopify, or Walmart Marketplace, to ensure seamless integration with your business operations.
Don't forget to review their eligibility criteria. This often includes requirements like minimum monthly revenue or a specific sales history. Make sure these align with your business profile to avoid unnecessary complications. Repayment terms are another critical aspect. Many providers base repayments on a percentage of your sales, which can be a flexible way to manage cash flow during slower months.
Lastly, consider the level of personalized support and resources they offer to help your business grow. Providers that go beyond funding and offer guidance can make a big difference as you scale. By carefully weighing these factors, you can find a financing partner that truly fits your needs.
What should I look for when reviewing the fees of revenue-based financing providers?
When evaluating fees for revenue-based financing, pay close attention to the total cost as a percentage of your revenue, any repayment caps, and whether there are extra charges, such as administrative or hidden fees. These elements play a crucial role in determining how manageable and adaptable the financing will be for your business.
It's also important to think about how the repayment terms align with your sales patterns. Revenue-based repayment structures that adjust to your earnings can be a game-changer, helping you maintain steady cash flow during slower months while still supporting your business's growth.
