How we picked
Filtered to lenders with direct platform integrations (Shopify, Amazon Seller Central, Stripe, WooCommerce) or e-commerce-specific underwriting models. Excluded generalist MCAs that don't pull platform data — they tend to misprice e-commerce because they can't see SKU velocity or ad ROAS.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Shopify Capital | Best for Shopify-native brands | $200 – $2,000,000+ | Funds in 2 – 5 business days after acceptance | No FICO check — uses Shopify sales data | Apply → |
| Amazon Lending | Best for Amazon FBA sellers | $1,000 – $750,000 | Funds in 5 business days once accepted | No FICO check — uses Amazon seller history | Apply → |
| Wayflyer | Best global RBF for scaling DTC brands | $10,000 – $20,000,000 | Funding in 24 hours | No FICO check — underwrites against platform data | Apply → |
| Clearco | Best non-dilutive growth capital for DTC | $10,000 – $20,000,000 | Funding in 1 – 5 business days | No FICO check — underwrites against revenue data | Apply → |
| Ampla | Best combined banking + capital for omnichannel brands | $25,000 – $25,000,000 | Funding in 1 – 5 business days | 640+ | Apply → |
| Settle | Best for inventory financing on DTC brands | $25,000 – $5,000,000 | Funding in 1 – 3 days | No FICO check — uses platform data | Apply → |
| Stripe Capital | Best for Stripe-native digital businesses | $500 – $1,000,000+ (varies by Stripe volume) | Funds same business day for eligible merchants | No FICO check — underwrites against Stripe data | 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 for Shopify-native brands
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
Embedded in Shopify admin. Pre-qualified offers based on store revenue. Single fee (no APR), repaid as percentage of daily sales — automatic, no ACH risk. Best for stores doing 90%+ of revenue through Shopify checkout. Funding 1-3 days from offer accept.
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
#2 · Best for Amazon FBA 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
Invite-only program embedded in Seller Central. Underwrites against Amazon sales history and seller metrics. Repayment auto-deducted from Amazon disbursements. Best for sellers with 12+ months FBA history and clean account health.
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
#3 · Best global 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 built specifically for e-commerce. Integrates Shopify, WooCommerce, Stripe, Amazon, and ad platforms (Facebook, Google) to underwrite ROAS-aware advances. Single fee structure, typically 2-8% of advance. Strong for brands deploying capital into paid acquisition.
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
#4 · Best non-dilutive growth capital for DTC
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. Platform integrations across Shopify, WooCommerce, Stripe, ad networks. Capital can be ring-fenced for ad spend or inventory. Founder-friendly terms with no personal guarantee on standard programs.
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
#5 · Best combined banking + capital for omnichannel 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 e-commerce brands. LOC sized off platform revenue data — usually 1-2x monthly sales. Stronger long-term fit than single-purpose RBF because the bank account context lets pricing improve as you scale.
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 for inventory financing on DTC brands
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, you repay Settle when inventory sells. Cash conversion cycle solver for brands that turn inventory quickly but face long supplier terms. Cheaper than burning MCA proceeds on 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
#7 · Best for Stripe-native digital businesses
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
Embedded in Stripe Dashboard. Pre-qualified offers based on Stripe processing volume. Single fee, repaid as percentage of Stripe sales. Best for SaaS-adjacent e-commerce, subscription boxes, and brands doing 100% Stripe processing.
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
Frequently asked questions
- What's the difference between e-commerce RBF and a traditional MCA?
- Both advance cash against future revenue, but RBF (Wayflyer, Clearco, Shopify Capital) is underwritten off platform data with no daily ACH — repayment is a percentage of platform sales, debited automatically. Traditional MCAs use bank-statement underwriting and fixed daily ACH that doesn't flex with sales. For e-commerce, RBF is almost always the better structure because it auto-reconciles to slow weeks.
- Can I get e-commerce funding pre-launch?
- Very limited. Most platform-integrated lenders need 3-12 months of platform sales history. Pre-launch options are typically founder-equity, credit cards, Kiva (0% microloans up to $15K), or friends-and-family. Don't take MCA pre-revenue — the math doesn't work without sales velocity to absorb daily payments.
- Will lenders fund inventory purchases specifically?
- Yes — Settle, Ampla, and Wayflyer all have inventory-specific products. Settle pays your supplier directly. Ampla lines of credit can be drawn for inventory POs. Wayflyer can earmark a portion of advances for inventory. Avoid using generalist MCA proceeds for inventory; the cost-of-capital is too high for an asset you'll mark up only 2-3x.
- How does Shopify Capital pricing actually work?
- Shopify Capital quotes a single 'borrowing cost' (typically 1.10-1.16 factor for the most-favored stores, higher for newer ones). You repay via a fixed percentage of daily sales — usually 9-17%. There's no fixed term; it ends when the total is repaid. APR equivalent works out to 15-50%+ depending on how fast you repay. Compare against Wayflyer or Ampla LOC before accepting if your APR-sensitivity is high.
Related reading
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.