How we picked
Filtered to funders with documented DTC track records, RBF or inventory-specific structures, and underwriting models that can ingest Shopify, Amazon, ad-platform, and bank data together. RBF specialists (Clearco, Wayflyer) ranked first because revenue-based, percentage-of-sales repayment is structurally correct for DTC's variable revenue and ad-spend-compounding cash cycle. Banking-and-LOC bundles (Ampla) ranked next for established brands wanting an ongoing capital relationship. Inventory-specific (Settle) for brands whose primary cash mechanic is supplier-payment timing. Embedded offers (Shopify Capital) as the cheapest tactical bridge when offer size meets need. Generalist MCA explicitly de-prioritized — daily ACH against a DTC brand's variable revenue is structurally wrong, and only justified for true single-event emergencies.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Clearco | Best non-dilutive growth capital for DTC brands | $10,000 – $20,000,000 | Funding in 1 – 5 business days | No FICO check — underwrites against revenue data | Apply → |
| Wayflyer | Best ROAS-aware RBF for scaling DTC brands | $10,000 – $20,000,000 | Funding in 24 hours | No FICO check — underwrites against platform data | Apply → |
| Ampla | Best banking + LOC bundle for omnichannel DTC brands | $25,000 – $25,000,000 | Funding in 1 – 5 business days | 640+ | Apply → |
| Settle | Best inventory financing for DTC brands with overseas suppliers | $25,000 – $5,000,000 | Funding in 1 – 3 days | No FICO check — uses platform data | Apply → |
| Shopify Capital | Best embedded tactical bridge when offer size fits | $200 – $2,000,000+ | Funds in 2 – 5 business days after acceptance | No FICO check — uses Shopify sales data | Apply → |
| Liberis | Best embedded financing through DTC commerce platforms | $1,000 – $1,000,000+ | Funding in 24 hours | No FICO check — platform data based | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best non-dilutive growth capital for DTC brands
Clearco
Max amount
$20,000,000
Cost
Single fee 6 – 12% of advance
Speed
Funding in 1 – 5 business days
Min credit
No FICO check — underwrites against revenue data
Why we picked it
Originated the e-commerce RBF model and remains the most-named DTC growth-capital partner. Native Shopify and ad-platform integration, capital can be ring-fenced for ad spend or inventory, founder-friendly terms with no personal guarantee on standard programs. Single-fee structure repaid as percentage of revenue — auto-reconciles to slow months. Strong fit for brands deploying recurring capital into Facebook/Google/TikTok acquisition where you want a long-term partner rather than transactional MCA.
The strength
Pioneered revenue-based financing for DTC/e-commerce. Strong brand recognition with founders. No equity, no personal guarantee on standard programs. Built integrations with Shopify, Stripe, ad platforms for automatic underwriting.
The watch-out
Underwent significant cost cuts and pivots in 2023-2024 — product mix has shifted, some prior offerings (Clearco Capital for ad spending specifically) were paused. Single fee can equate to 25-50% APR.
Qualifications
6 months
$10,000
No FICO check — underwrites against revenue data
#2 · Best ROAS-aware RBF for scaling DTC brands
Wayflyer
Max amount
$20,000,000
Cost
Single fee 3 – 8% of advance
Speed
Funding in 24 hours
Min credit
No FICO check — underwrites against platform data
Why we picked it
Revenue-based financing with the deepest ad-platform integration in the category — Wayflyer pulls Facebook, Google, TikTok, and Amazon Ads data directly into underwriting to model ROAS at the SKU and campaign level. Ticket sizes scale into seven figures, single-fee structure typically 2-8% of advance. The default choice when you're scaling paid acquisition aggressively and need a lender that understands attribution windows and contribution-margin math.
The strength
Built specifically for e-commerce — underwrites using your Shopify/Amazon/Stripe data, not bank statements alone. Single-fee structure (no compounding factor). Repayment as percentage of daily sales — scales with revenue. Backed by Tiger Global, J.P. Morgan among others.
The watch-out
Only works for e-commerce/DTC brands with verified platform sales. Single fee can equate to 30-60% APR for fast-repaying deals. Some merchants report aggressive renewal pressure.
Qualifications
6 months
$20,000
No FICO check — underwrites against platform data
#3 · Best banking + LOC bundle for omnichannel DTC brands
Ampla
Max amount
$25,000,000
Cost
LOC APR 8 – 18%
Speed
Funding in 1 – 5 business days
Min credit
640+
Why we picked it
Banking + line of credit + bill pay bundled for CPG and DTC brands. LOC sized off platform revenue data — typically 1-2x monthly sales, drawable for inventory, ad spend, or working capital. Stronger long-term fit than single-purpose RBF because the bank-account context lets pricing improve as you scale, and the bill-pay infrastructure handles supplier and ad-platform payments natively. Right structure for brands past $200K+/mo wanting a permanent capital partner rather than serial advances.
The strength
Built specifically for CPG/DTC brands — banking platform + LOC + term loan + AP automation in one. Strong fit for brands managing inventory + marketing spend + supplier payments.
The watch-out
CPG/DTC-only positioning excludes non-consumer-brand businesses. Higher minimum revenue ($50K+/mo). Best terms require comprehensive Ampla banking adoption.
Qualifications
12 months
$50,000+
640+
#4 · Best inventory financing for DTC brands with overseas suppliers
Settle
Max amount
$5,000,000
Cost
Single fee (typical 1 – 3% per invoice for AR financing)
Speed
Funding in 1 – 3 days
Min credit
No FICO check — uses platform data
Why we picked it
Net-60 to net-120 supplier financing — Settle pays your supplier on day 0 (USD or CNY), you repay 60-120 days later when inventory has sold through. Solves the cash conversion cycle for DTC brands that turn inventory quickly but face long supplier terms (especially apparel, beauty, home, and CPG brands sourcing overseas). Dramatically cheaper than burning MCA or RBF proceeds on a PO — keep your RBF dry for ad spend and use Settle for inventory.
The strength
Specifically built for e-commerce brands managing supplier payments + AR. Pays your suppliers in 30 days, you repay Settle in 60-120 days. Bundled with bill-pay and accounting integrations.
The watch-out
E-commerce only. Higher revenue minimum than Wayflyer/Clearco. Best fit for brands with international supplier base where payment timing matters.
Qualifications
12 months
$50,000+
No FICO check — uses platform data
#5 · Best embedded tactical bridge when offer size fits
Shopify Capital
Max amount
$2,000,000+
Cost
Single fixed fee — typical 5 – 14% of advance
Speed
Funds in 2 – 5 business days after acceptance
Min credit
No FICO check — uses Shopify sales data
Why we picked it
For DTC brands running on Shopify, Shopify Capital is the cheapest tactical-bridge capital when the offer size meets your need. Embedded, pre-qualified, percentage-of-sales repayment with no ACH risk. Best used as a complementary capital source alongside an RBF or LOC relationship — take the Shopify offer when it appears, deploy into the highest-ROI use, and keep your Clearco/Wayflyer/Ampla relationship for bigger ticket needs.
The strength
Most merchant-friendly embedded financing in commerce. Single fee, no compounding factor. Repayment as percentage of daily Shopify sales (typically 9-17%) — scales with revenue. Pre-qualified offers in Shopify admin. No personal guarantee on standard offers.
The watch-out
Only for Shopify-hosted stores. Shopify selects which merchants get offers — can't apply. If you migrate off Shopify mid-loan, balance must be repaid in full. Higher-tier offers may include personal guarantee.
Qualifications
6 months
Shopify GMV drives offers — typically $10K+/mo
No FICO check — uses Shopify sales data
#6 · Best embedded financing through DTC commerce platforms
Liberis
Max amount
$1,000,000+
Cost
Single fee, typical 6 – 12% of advance
Speed
Funding in 24 hours
Min credit
No FICO check — platform data based
Why we picked it
Embedded financing infrastructure that powers capital offers inside commerce platforms and payment processors. Underwriting accounts for DTC platform-revenue patterns and integrates directly with the platforms where DTC brands transact. Useful complementary source for brands offered Liberis-powered capital through a platform partner, particularly outside the US where domestic options (Clearco, Wayflyer) are more available.
The strength
Embedded RBF partner for major platforms (Worldpay, Sage, Barclays, others). Underwrites via partner platform data. Low TIB minimum (4 months). International footprint (UK, US, Europe).
The watch-out
Best offers come via embedded partner integrations — direct application less competitive. Smaller US presence than UK.
Qualifications
4 months
$5,000+
No FICO check — platform data based
Frequently asked questions
- Why is RBF structurally better than MCA for DTC brands?
- Three reasons. First, repayment is a percentage of revenue (or platform sales), so the dollar payment shrinks when sales slow — daily ACH MCA doesn't flex. Second, RBF lenders underwrite off platform and ad-platform data, so pricing reflects your actual ROAS and contribution margin instead of a generic risk band. Third, the single-fee RBF structure compounds favorably when you grow — there's no acceleration clause if you slow down a quarter. MCA's daily fixed ACH on a DTC brand mid-soft-quarter is a fast path to bank-balance squeeze.
- How should a DTC brand stack its capital?
- The most-resilient stack for an established DTC brand looks like: (1) Banking + LOC relationship (Ampla, BlueVine, or traditional bank) as the always-on working-capital base, (2) Inventory financing (Settle) for supplier payments, (3) RBF (Clearco or Wayflyer) drawn against specific ad-spend campaigns with measurable ROAS targets, (4) Shopify Capital or platform offers as tactical bridges when terms beat the RBF. Avoid stacking multiple MCAs — that's the structural failure pattern that kills DTC brands.
- Can DTC brands raise non-dilutive capital pre-product-market-fit?
- Limited. Most RBF lenders need 6-12 months of revenue history and meaningful trailing revenue ($20K-$50K+/mo). Pre-PMF DTC brands typically raise founder equity, friends-and-family, accelerator capital (Y Combinator, Techstars, e-commerce-specific accelerators), or use credit cards strategically for early ad spend. RBF and inventory financing become viable once you have 6+ months of platform data and a paid-acquisition channel that's working.
- What revenue do I need to qualify for DTC brand funding?
- Shopify Capital: offers typically appear at $5K-$10K+/mo Shopify GMV. Wayflyer and Clearco: typically $20K-$50K+/mo, 6+ months operating, demonstrable paid-acquisition channel. Settle: focused on inventory cycles, less about minimum revenue and more about supplier-payment volume. Ampla: typically $50K+/mo for the banking + LOC bundle. Liberis: depends on the platform partner originating the offer. Match yourself at /match to see which structures fit your brand today.
Related reading
- Best e-commerce funding 2026
- Best MCA funders for Shopify merchants 2026
- Best MCA funders for Amazon FBA sellers 2026
- Best MCA funders for e-commerce with Amazon, Stripe, Shopify 2026
- The full 2026 ranking — 100 funders
Methodology
How we chose
Ranking criteria
- Use-case fit — funder must qualify the merchant profile this page targets (credit, time-in-business, revenue, industry).
- Pricing transparency — published factor-rate or APR-equivalent disclosure outweighs marketing-only quotes.
- Speed-to-fund — verified time from signed contract to ACH deposit, not 'as fast as' marketing claims.
- Contract terms — daily/weekly debit structure, prepayment treatment, COJ / personal guarantee posture.
- Customer-experience signals — BBB profile, Trustpilot, ISO chatter, and direct merchant feedback collected via Fundnode applications.
Sources consulted
- Funder-published rate cards, contract templates, and disclosure pages (refreshed quarterly).
- Public regulatory filings — California DFPI commercial-financing disclosures, New York commercial-financing disclosure law filings.
- Direct merchant feedback collected through Fundnode's /qualify funnel (n > 200 since 2026-01).
- ISO desk operator interviews — anonymized commentary on approval patterns and stipulations.
Update cadence
Reviewed quarterly. Last updated 2026-06-24.
Conflict of interest
Fundnode may earn referral fees from funders listed on this page when merchants apply through us. Rankings are editorial and independent of fee economics — funders cannot pay for placement.