How we picked
Filtered to funders whose minCredit field includes 'No FICO check' or 'No credit check'. Verified each funder's actual underwriting model.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Shopify Capital | Best no-FICO for Shopify merchants | $200 – $2,000,000+ | Funds in 2 – 5 business days after acceptance | No FICO check — uses Shopify sales data | Apply → |
| Stripe Capital | Best no-FICO for Stripe-using businesses | $500 – $1,000,000+ (varies by Stripe volume) | Funds same business day for eligible merchants | No FICO check — underwrites against Stripe data | Apply → |
| PayPal Working Capital | Best no-FICO for PayPal sellers | $1,000 – $250,000 | Funding in minutes once accepted | No FICO check — uses PayPal sales history | Apply → |
| Wayflyer | Best no-FICO for e-commerce inventory financing | $10,000 – $20,000,000 | Funding in 24 hours | No FICO check — underwrites against platform data | Apply → |
| Amazon Lending | Best no-FICO for Amazon FBA sellers | $1,000 – $750,000 | Funds in 5 business days once accepted | No FICO check — uses Amazon seller history | Apply → |
| Kiva | Best no-FICO microloan (any business stage) | $1,000 – $15,000 | 30 – 60 days crowdfunding process | No credit check | 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 no-FICO for Shopify merchants
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
Uses Shopify sales history. Single fixed fee. No personal guarantee on standard offers. Best for established Shopify stores ($25K+/mo GMV).
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 no-FICO for Stripe-using 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
Underwrites via Stripe transaction data. Single fee. Best for SaaS, marketplaces, platforms with 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
#3 · Best no-FICO for PayPal sellers
PayPal Working Capital
Max amount
$250,000
Cost
Single fixed fee disclosed at offer (typically 8 – 18% of advance)
Speed
Funding in minutes once accepted
Min credit
No FICO check — uses PayPal sales history
Why we picked it
Uses PayPal sales history. Funds in minutes once accepted. Single fixed fee. Daily repayment as percentage of PayPal sales.
The strength
Embedded in PayPal seller dashboard — pre-approved offers appear with no application. Repayment as percentage of daily PayPal sales (10-30% depending on offer). Single fixed fee, no compounding. Strong fit for PayPal-heavy sellers.
The watch-out
Only available to merchants processing significant volume through PayPal. Loan amount capped at fraction of trailing PayPal sales. If you reduce PayPal volume mid-loan, repayment continues via fixed daily debits — losing the natural sales-percentage flexibility.
Qualifications
3 months
$15,000 in PayPal sales (typical)
No FICO check — uses PayPal sales history
#4 · Best no-FICO for e-commerce inventory financing
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
Underwrites via Shopify/Amazon/Stripe data, not FICO. Single fee 3-8%. Best for ecom brands ($20K+/mo).
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 no-FICO 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
Uses Amazon seller history. Invitation-only. Repayment via Amazon settlements. Lower cost than MCA.
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
#6 · Best no-FICO microloan (any business stage)
Kiva
Max amount
$15,000
Cost
0% interest (donation-funded)
Speed
30 – 60 days crowdfunding process
Min credit
No credit check
Why we picked it
0% interest. No credit pull, no minimum revenue. Crowdfunded by individual lenders. Best for $1K-$15K needs.
The strength
0% interest microloans funded by individual crowdfunders. No FICO check. Open to very early stage, underserved entrepreneurs, immigrants, low-credit applicants. Repayment with no fees over 6-36 months.
The watch-out
Loan caps at $15K — too small for most established merchants. Application requires endorsements from existing supporters. 30-60 day funding timeline.
Qualifications
0 months
Any
No credit check
Frequently asked questions
- Can I get business funding without a credit check?
- Yes — processor-embedded products (Shopify Capital, Stripe Capital, PayPal Working Capital, Amazon Lending) underwrite via platform sales data instead of FICO. E-commerce RBF lenders (Wayflyer, Clearco) also skip FICO. Kiva microloans require no credit check at all.
- What's the catch with no-credit-check business loans?
- They require strong platform sales data instead. Shopify Capital wants $25K+/mo GMV. PayPal Working Capital wants substantial PayPal volume. These products work great if you have the right platform history — and not at all if you don't.
- Do no-credit-check loans cost more?
- Not necessarily. Single-fee structures (Shopify Capital 5-14%, Stripe Capital 5-18%, Wayflyer 3-8%) often equate to lower effective cost than equivalent MCA. But for fast-repaying deals, single fees can equate to 30-60% APR.
- Is Kiva legitimate?
- Yes — Kiva is a nonprofit established in 2005. Crowdfunded microloans up to $15K at 0% interest. The trade-off: longer funding timeline (30-60 days) and requirement to recruit initial endorsers from your network.
Related reading
Methodology. Rankings on Fundnode are editorial — we filter our database of 100 funders against the specific use case for this page, then rank by qualifying criteria (transparency, speed, contract terms, customer experience signals). We earn referral fees from some funders when merchants apply via Fundnode; ranking is independent of fee structure. Updated 2026-06-24.