Most recommended
4.1
Shopify Capital
- Funding solutions for Shopify sellers
- Working capital available for payroll, inventory, and marketing
- Payments returned as percentage of sales
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Biggest pro
- Fast, easy application process
- Get funded within 2 days of accepting offer
- Flexible repayments based on daily sales
- Non-dilutive, no credit check required
Biggest con
- Only available for Shopify sellers
- Repayments deducted from sales daily
- Personal guarantee required
- High cost of capital compared to traditional lenders
Popular choice
3.3
Yardline
- Growth capital and business optimization tools for eCommerce sellers
- Provides CaaS (capital as a service) solutions for platforms and marketplaces
- Funding offer based on past performance and sales forecasting
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Biggest pro
- No restrictions on how funding is spent
- Get funded in just 24 hours
- Built-in resources and eCommerce experts to guide your business
- Non-dilutive, no credit check required
Biggest con
- Funding only up to $1 million
- Requires at least $10,000 in monthly revenue to qualify
- High cost of capital compared to traditional lenders
Popular choice
3.7
Loanbuilder
- Business loans with customized amounts and terms
- One fixed fee repaid over the life of the loan
- Short-term loans with no origination fees for businesses
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Biggest pro
- Choose the loan and terms that best suit your business
- Pay back one fixed fee
- Check eligibility in minutes, get funded in 48 hours
- Loans up to $500,000
Biggest con
- Credit check and personal guarantee required
- Fixed automatic weekly repayments
- Relatively high lending fee
- Only short-term financing
Popular choice
3.9
Kabbage
- Financial solutions for small businesses including lines of credit and loans
- Includes business checking and cash flow management tools
- Fast access to working capital to fund all aspects of business
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Biggest pro
- Pay only for what you borrow
- Quick and easy application
- Monthly repayment schedule
- Offers cash management tools to small businesses
Biggest con
- Funding only up to $250,000
- Complex monthly fee structure
- Personal guarantee and credit check required
- High cost of capital compared to traditional lenders
Popular choice
3.5
Pipe
- Provide working capital on a recurring basis
- Funding for SaaS, D2C, service businesses, media companies, and more
- Get access to capital based on annual recurring revenue
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Biggest pro
- Quick funding request approval time
- Funding from $25,000 to $100 million
- No loans or dilution
- Fast sign-up process with no obligation
Biggest con
- Only for subscription-based D2C sellers
- Requires at least $100,000 annual recurring revenue to qualify
- Funding amount not guaranteed
Popular choice
3.2
Onramp Funds’
- Funding capital for eCommerce sellers to use as they wish
- Flexible repayment structure adapts to sales
- Provides personalized funding offer based on sales history
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Biggest pro
- Fees as low as just 1% of sales
- Fast and easy application process, get funded in days
- Pay back only as you sell
- No credit check
Biggest con
- New sellers are not eligible
- High sales threshold required for eligibility
- Lower funding amount than competitors
Popular choice
3.3
Uncapped
- Fast funding for eCommerce, SaaS, mobile apps, and other online models
- No restrictions on how funding is spent
- Funding at a flat fee with no interest rates
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Biggest pro
- Funding from £10,000 to £10 million
- Receive an offer within 24 hours
- Ability to access more funding as you need it
- Non-dilutive, no personal guarantee
Biggest con
- Funding only European businesses
- Not exclusively for eCommerce
- Requires at least $10,000 in monthly revenue to qualify for funding
- High cost of capital compared to traditional banks
Popular choice
3.1
AccrueMe
- Working capital for Amazon sellers
- Flexible and adaptable repayment schedule
- Matches sellers’ capital dollar for dollar up to $1 million
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Biggest pro
- No required monthly payments; pay on your own schedule
- No credit check, approval based on performance
- Only pay when you profit
- Non-dilutive, no personal guarantee
Biggest con
- Funding only up to $1 million
- Only funds Amazon sellers
- High rates compared to traditional banks
Popular choice
3.6
SellersFunding
- Multiple funding options for eCommerce: loans, daily advance, debit card
- Includes funding solutions, analytics, and payment solutions
- Funding decision based on past sales and forecasting technology
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Biggest pro
- Get funded within 48 hours
- Payment solutions available to help ease transfers, payments, and more
- Analytics platform provides KPI tracking and insights
- Offers interest-only payment period at the start
Biggest con
- Requires at least $20,000 in monthly revenue to qualify for funding
- Credit check required
- Working capital only available to Amazon and Shopify sellers