How we picked
Filtered to lenders whose product structure either embeds directly in the platforms multi-channel e-commerce sellers actually use (Amazon Lending, Stripe Capital, Shopify Capital) or specifically underwrites using cross-platform sales data as the primary signal (Wayflyer, Ampla, Clearco). Platform-embedded products ranked first because percentage-of-platform-sales repayment is the structurally correct shape for e-commerce revenue and there is no separate underwriting friction — the offer is either visible in the dashboard or it isn't. Dedicated multi-channel financing ranked next for larger facilities and cross-platform underwriting. Live Oak SBA included for major capital events (warehouse purchase, business acquisition, equipment, real estate). Credibly included only as a narrow last-resort bridge. We exclude generalist daily-ACH MCA funders because they require multi-month bank-statement uploads, perform FICO pulls, and apply fixed daily debits regardless of platform sales velocity — all of which are operationally inferior to the platform-embedded alternatives.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Amazon Lending | Best platform-embedded funding for Amazon FBA and FBM sellers | $1,000 – $750,000 | Funds in 5 business days once accepted | No FICO check — uses Amazon seller history | Apply → |
| Stripe Capital | Best platform-embedded funding for Stripe-processed DTC sites, headless storefronts, and marketplaces | $500 – $1,000,000+ (varies by Stripe volume) | Funds same business day for eligible merchants | No FICO check — underwrites against Stripe data | Apply → |
| Shopify Capital | Best platform-embedded funding for Shopify-using DTC brands and omnichannel retailers | $200 – $2,000,000+ | Funds in 2 – 5 business days after acceptance | No FICO check — uses Shopify sales data | Apply → |
| Wayflyer | Best dedicated multi-channel inventory financing for cross-platform e-commerce sellers | $10,000 – $20,000,000 | Funding in 24 hours | No FICO check — underwrites against platform data | Apply → |
| Ampla | Best omnichannel CPG and DTC growth-capital facility with multi-channel underwriting | $25,000 – $25,000,000 | Funding in 1 – 5 business days | 640+ | Apply → |
| Clearco | Best revenue-share growth capital for DTC brands with heavy ad-spend cycles | $10,000 – $20,000,000 | Funding in 1 – 5 business days | No FICO check — underwrites against revenue data | Apply → |
| Live Oak Bank | Best SBA 7(a) for e-commerce warehouse purchase, business acquisition, and major capital events | $25,000 – $25,000,000+ | 30 – 90 days underwriting (SBA standard) | 680+ typical | 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 7 picks
#1 · Best platform-embedded funding for Amazon FBA and FBM sellers
Amazon Lending
Max amount
$750,000
Cost
APR varies (typical 6 – 16% APR for term loans)
Speed
Funds in 5 business days once accepted
Min credit
No FICO check — uses Amazon seller history
Why we picked it
Amazon Lending is the structurally correct primary working-capital tool for any Amazon-selling merchant with consistent Amazon sales history. Pre-qualified offers surface in Seller Central, no FICO check, no external application, no bank-statement upload — the offer is underwritten directly from Amazon sales-history data. Repayment is taken as a percentage of Amazon sales, so a slow week on Amazon means a smaller daily repayment automatically. The right primary working-capital tool for inventory orders, FBA replenishment, ad-spend campaigns, and any growth use case that maps back to Amazon sales velocity. For Amazon-heavy private-label sellers, Amazon Lending should be the first call.
The strength
Invitation-only product for Amazon FBA sellers with strong sales history. Repayment via Amazon settlements (auto-deducted). Lower cost than most MCA alternatives. No personal guarantee on standard offers.
The watch-out
Invitation-only — Amazon picks who gets offers. Cannot apply. Funds must be used for Amazon-related business expenses per terms. If Amazon account is suspended, loan terms can accelerate.
Qualifications
12 months
Amazon sales volume drives offers
No FICO check — uses Amazon seller history
#2 · Best platform-embedded funding for Stripe-processed DTC sites, headless storefronts, and marketplaces
Stripe Capital
Max amount
$1,000,000+ (varies by Stripe volume)
Cost
Single fixed fee disclosed at offer (typically 5 – 18%)
Speed
Funds same business day for eligible merchants
Min credit
No FICO check — underwrites against Stripe data
Why we picked it
Stripe Capital provides the same structural advantage as Amazon Lending for Stripe-processed merchants — pre-qualified offers in the Stripe dashboard, no FICO check, no external application, repayment as a percentage of Stripe-processed sales. Particularly valuable for DTC brands running headless commerce stacks on Stripe (rather than Shopify Payments), Stripe-backed marketplaces, and subscription businesses where Stripe is the primary payment processor. The right primary working-capital tool for any Stripe-processed e-commerce business where Stripe sees most of the underlying transaction volume.
The strength
Best-in-class developer/founder experience. Embedded directly in Stripe Dashboard with pre-qualified offers. Single fee structure. Repayment auto-deducted as percentage of daily Stripe transaction volume. Strong fit for SaaS, marketplaces, platforms.
The watch-out
Only available to active Stripe merchants. Stripe chooses offer eligibility — can't request. Repayment percentage (typically 10-25% of daily Stripe sales) reduces operating cash. Changing payment processors mid-loan triggers payoff acceleration.
Qualifications
6 months
Stripe processing volume drives offers
No FICO check — underwrites against Stripe data
#3 · Best platform-embedded funding for Shopify-using DTC brands and omnichannel retailers
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
Shopify Capital is the right primary working-capital tool for any Shopify-using e-commerce or omnichannel retailer — DTC brands on Shopify storefront, omnichannel retailers running Shopify POS for brick-and-mortar plus online, and Shopify Plus sellers. Pre-qualified offers in the Shopify dashboard, no FICO check, no external application, repayment as a percentage of Shopify sales. The right primary working-capital tool when Shopify Payments is the dominant transaction processor and Shopify is the platform of record for the merchant's sales data.
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
#4 · Best dedicated multi-channel inventory financing for cross-platform e-commerce sellers
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
Wayflyer is purpose-built for inventory financing in multi-channel e-commerce. Revenue-share repayment that scales with cross-platform sales, and the underwriting uses combined data across Amazon, Shopify, Stripe, ad accounts (Meta, Google), and other multi-channel signals rather than treating any single platform in isolation. The right pick for established multi-platform sellers needing $50K-$500K specifically for inventory orders or ad-spend pushes where any single platform's embedded product is too small for the use case. 12+ months operating, consistent multi-channel revenue history typical.
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
#5 · Best omnichannel CPG and DTC growth-capital facility with multi-channel underwriting
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
Ampla offers revolving credit facilities specifically structured for inventory and purchase-order financing across multi-channel CPG and DTC brands. The underwriting weights multi-channel sales velocity (Amazon, Shopify, Stripe, retail wholesale, marketplace expansion) and the revolving structure scales with actual cross-channel revenue. The right pick for established omnichannel brands ($1M+/yr revenue typical) needing a dedicated growth-capital facility that complements the platform-embedded products with larger capacity and multi-channel-aware underwriting.
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+
#6 · Best revenue-share growth capital for DTC brands with heavy ad-spend cycles
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
Clearco specializes in revenue-share growth capital for e-commerce DTC brands, with a structural emphasis on ad-spend financing — fund a Meta or Google ad-spend campaign, the campaign generates platform sales, and Clearco takes a percentage of those sales back as repayment. Particularly valuable for DTC brands where ad-spend ROAS is well-documented and the marginal ad-spend dollar produces predictable platform sales. The right pick for ad-heavy DTC brands needing growth capital specifically tied to ad-spend velocity rather than inventory orders or general working capital.
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
#7 · Best SBA 7(a) for e-commerce warehouse purchase, business acquisition, and major capital events
Live Oak Bank
Max amount
$25,000,000+
Cost
SBA 7(a) APR prime + 2.75% to 4.75%
Speed
30 – 90 days underwriting (SBA standard)
Min credit
680+ typical
Why we picked it
Live Oak Bank SBA 7(a) at prime + 2.75% APR with 10-25 year tenors is the structurally correct tool for major capital events that don't fit the platform-embedded or multi-channel financing products — warehouse purchase, owned 3PL operation, e-commerce business acquisition (buying a competitor brand, acquiring an Amazon FBA portfolio), major equipment purchase, or refinancing accumulated MCA stacks from prior cycles. Monthly amortization survives e-commerce seasonality far better than any daily-ACH product. Typical qualifying file: 24+ months operating, $40K+/mo trailing average, 680+ credit, clean tax returns, demonstrable use of proceeds.
The strength
Largest SBA 7(a) lender in the US by dollar volume for 7+ consecutive years. Industry-specialty teams (veterinary, dental, funeral homes, self-storage, agriculture, hotels). Deep understanding of niche-vertical underwriting. Dramatically cheaper than MCA for qualifying merchants.
The watch-out
Long underwriting timeline (45-90 days typical). Requires strong credit (680+), 2+ years operating, clean financials. Industries outside their specialty get less attention.
Qualifications
24 months
$20,000+
680+ typical
Frequently asked questions
- Why are platform-embedded funding products structurally better than generic MCA for e-commerce?
- Three reasons. First, the underwriting is done off the platform's own sales-history data rather than requiring multi-month bank-statement uploads, merchant processing statements, and external credit applications — pre-qualified offers surface inside the platform dashboard without any separate underwriting friction. Second, the repayment structure is a percentage of platform sales rather than a fixed daily ACH — when platform sales drop (slow week, seasonality, ad campaign winding down), the daily repayment automatically drops with them, eliminating ACH-bounce risk and reconciliation distress. Third, the pricing is typically a single transparent fee rather than the factor-rate-plus-undisclosed-ISO-commission structure that generic MCA uses. For Amazon-heavy sellers, Amazon Lending should be the primary relationship; for Stripe-heavy, Stripe Capital; for Shopify-heavy, Shopify Capital. Generic daily-ACH MCA should be a last-resort bridge only.
- Should I take Amazon Lending plus Stripe Capital plus Shopify Capital simultaneously?
- If your sales are split meaningfully across all three platforms (for example, 50% Amazon, 30% Shopify, 20% Stripe-processed DTC), then yes — taking the embedded product on each platform where you have meaningful sales is structurally clean, because each product's repayment is taken from that specific platform's sales velocity. The combined repayment burden scales with combined sales velocity across all three platforms. What to avoid is taking multiple platform-embedded products plus a generalist daily-ACH MCA on top — the combined fixed daily ACH plus the percentage-of-sales repayments can compound into untenable cash flow strain on slow weeks. Stack platform-embedded products together cleanly; do not stack platform-embedded with generic daily-ACH MCA without very careful cash-flow modeling.
- When does Wayflyer, Ampla, or Clearco make sense alongside the platform-embedded products?
- Wayflyer, Ampla, and Clearco make sense when the platform-embedded products' individual capacity caps don't cover larger growth events — a major inventory pre-buy ahead of Q4, a $200K+ ad-spend push, a marketplace expansion, or a wholesale-account onboarding that requires inventory build. The dedicated multi-channel facilities can run $50K-$500K+ versus the typical platform-embedded $20K-$100K range, and the multi-channel underwriting captures sellers whose primary platform is not the largest single revenue source. Many established multi-channel sellers run the platform-embedded products as the primary working-capital layer (Amazon Lending, Stripe Capital, Shopify Capital where applicable) and overlay one of the dedicated multi-channel facilities (Wayflyer or Ampla) for larger growth-capital events.
- What revenue and credit do I need for platform-embedded e-commerce funding?
- Amazon Lending / Stripe Capital / Shopify Capital: any consistent processing volume on the respective platform (often qualifies $10K+/mo sellers), no FICO check, no application — the offer surfaces in the platform dashboard. Wayflyer: 12+ months operating, consistent multi-channel revenue history, typically $20K+/mo revenue. Ampla: established omnichannel brands $1M+/yr revenue typical. Clearco: DTC brands with documented ad-spend ROAS history, typically $10K+/mo revenue with consistent ad-spend cycle. Live Oak SBA: 680+ credit, 24+ months operating, $40K+/mo trailing average. Match yourself at /match to compare structures.
Related reading
- Best e-commerce business funding 2026
- Best MCA funders for e-commerce startups
- Best MCA funders for retail with inventory cycle mismatch
- 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.