Many Amazon, PayPal, and Stripe sellers hit a wall when they need cash fast to refill inventory or cover slow days. Most unsecured working capital loans arrive in under 24 days and require no collateral.
We list ten capital loan providers, like PayPal Working Capital and Stripe Capital, to keep your cash flow steady with simple loan applications and fair interest rates. Find your next cash boost.
Key Takeaways
- Most lenders fund in 24–48 hours, and some in under a day. PayPal can send cash in minutes to one day, OnDeck funds in about four hours, and Square or 1West deliver in one to two days.
- You can borrow from $1,000 up to $10 million. PayPal offers $1 K–$250 K, Stripe and Square up to $250 K, Amazon up to $750 K, Clearco up to $10 M, and Lendio up to $5 M. Rates run 6%–20% APR or as a single fixed fee, with no hidden origination or prepayment penalties.
- Repayments link to your sales. PayPal, Stripe, Amazon, Square, and Clearco each take a fixed percentage of daily transactions, so payments rise and fall with your revenue. This model cuts off debt when sales drop.
- Most platforms need only a few months of history and credit scores from 500 to 625. PayPal and Fundbox ask for 90 days, Stripe and Amazon for 6–12 months, OnDeck for one year. Few require collateral; most only ask for a personal guarantee.
PayPal Working Capital
Merchants can tap a merchant cash advance from PayPal Working Capital starting at $1,000 up to $200,000 for new buyers, and as high as $250,000 for repeat. The deal needs a PayPal Business account open for 90 days with $15,000 in annual sales or $20,000 if you have a Premier account.
Approval often comes in minutes, at most a day, and funds land in your checking account almost right away. No hoops stand in your way, and no credit check holds you back. Even a low credit score cannot block you.
Repayment comes out of your PayPal sales automatically. PayPal takes a fixed percent of each sale, with a small check at least every 90 days. You pay no interest, just a fixed fee known up front.
No origination fees creep in, and no prepayment penalties bite you. It can beat bank loans, lines of credit, and credit cards on speed and clarity. This setup helps your cash flow and working capital without hidden APRs or surprise charges.
Stripe Capital
U.S. businesses with at least six months of Stripe processing history can access Stripe Capital. Stripe invites firms to apply after that period and posts a decision on the dashboard within 24 hours.
Approved applicants often see funds in as few as 13 days, boosting cash flow fast. This option works like a cash advance instead of a small business loan, with no hard credit checks and no impact on credit scores.
Repayment comes as a fixed slice of daily sales processed through Stripe, and payments drop if sales slow. This model keeps debts in view, and a single fixed fee replaces interest rates or annual percentage rate worries.
Online stores tap this credit line without origination fees or hidden late fees slipping out of sight. Seamless integration with payment processors and the Stripe API makes setup feel like part of checkout.
Amazon Lending
Amazon Lending offers invite-only business loans up to $750,000. It sets repayment terms up to 12 months. Sellers need 12 months of active selling and at least $10,000 in annual Amazon sales.
The loan application process takes minutes and skips a credit check. Rates start at 10.9% for four months and reach 12.9% for six months. They range from 6% to 16%. Amazon deducts repayments from payouts.
It charges no origination or prepayment fees.
Amazon Community Lending via Lendistry lends up to $100,000 at 8% to 9.9% APR. The Goldman Sachs and Amazon line of credit offers $1 million at 6.99% to 20.99% interest. Late fees and maintenance fees may apply.
Online retailers tap these credit lines to boost cash flow or fund inventory financing. Sellers avoid extra forms and jump back to selling.
OnDeck: Fast Funding Option
OnDeck sends money to your bank on the same day you hear yes. They set up term loans up to $250,000 and lines of credit up to $100,000, so your cash flow keeps humming. You link your accounting software, track business expenses, dodge steep origination fees and dreaded late fees.
The weekly pay plan spreads out costs, it beats big monthly bills.
Most shops need just one year in business and $100,000 in annual revenue to qualify. A 600 credit score lands term loans, 625 clears working capital deals. Rates start at 10.99 percent APR, they rise with the prime rate push.
You can fund inventory, equipment financing or taxes with these funds. Owners call it quick funding, CNBC notes you can get funds in as little as four hours. You sign a personal guarantee, no heavy collateral pulls you under.
Fundbox: Flexible Credit for Newer Sellers
New sellers can get a line of credit from $5,000 to $150,000. They get same-day funding to keep cash flow smooth. Applicants need at least three months in business and a credit score over 600.
Approvals arrive within 24 hours using sales data and bank links. Lenders ask for no collateral, but may need a personal guarantee. Payments drop from weekly or monthly draws.
Online businesses use this working capital for inventory, expenses, or equipment financing. This quick funding beats invoice factoring or SBA loans. Originations fees and interest rates vary with the prime rate.
Owners can boost return on investment without heavy debt. Amazon sellers and peers find the loan application process simple.
Clearco: Equity-Free Financing for E-Commerce
Clearco offers revenue based financing that ties advances to a slice of daily sales, so you dodge equity stakes. You can score up to $10 million for your e-commerce store. The platform skips personal guarantees and collateral, and it taps store sales data, not your credit score, to approve funds in 24 to 48 hours.
Repayments flow automatically via a fixed percentage of revenue until the advance plus fee clears your balance.
Quick setup links with payment processing tools like Stripe, PayPal, or Shopify, so you manage cash flow and inventory financing with ease. You avoid origination fees or late fees, and you track interest rates and prime rate in real time through accounting software.
Many amazon sellers use Clearco for working capital instead of sba loans or revolving credit, freeing them to cover business expenses and refine their growth.
Bluevine: Best for Lines of Credit
Lenders set up lines of credit up to $250,000. Bluevine funds requests in 24, 48 hours. It suits Amazon sellers and other online businesses with six months in business and credit score at least 625.
Businesses tap cash flow only when they need it, and interest applies only to drawn sums.
Repayment plans run six or twelve months, with weekly payments. No hard collateral appears, though a personal guarantee might apply. The streamlined loan application process needs few documents.
You link current account and ledger app. That helps track business expenses in real time.
Square Loans: Sales-Based Financing Solution
Square Loans taps daily sales processed through Square to fund cash flow. It charges a single fixed fee, not interest, so you know your cost up front. Square Point of Sale automatically remits payments each day, right from the reader.
Merchants skip credit score hurdles, thanks to sales volume and processing history. Many see cash in as little as one or two business days.
You can access up to $250,000 this way, based purely on your Square Dashboard data. The tool needs no collateral or personal guarantee, and no hidden origination fees or late fees lurk in the fine print.
Sellers dodge a long loan application process, and tap funds for equipment financing or inventory financing needs. This option feels like breathing fresh air if you live by daily receipts.
Lendio: Loan Marketplace with Multiple Options
Lendio links you to more than 75 marketplace lenders in one app. Amazon sellers and other online businesses pick from working capital loans, p2p lending lines of credit, SBA term loans, MCAs and inventory financing.
Amounts start at $2,000 and go up to $5 million. You can set terms from 3 months to 5 years. The platform compares interest rates, origination fees and late fees side by side. It costs no money to apply.
Most approvals clear in 24 to 72 hours, so you get quick funding. Applicants need at least 6 months of sales history and $50,000 in annual revenue. Cash advances ask for a credit score as low as 500.
SBA term loans demand 680 or more. The platform syncs with QuickBooks, keeping your accounting software in view and helping plan cash flow. Lendio handles your loan application process and earns via referral commissions.
Clarify Capital: Tailored Solutions for Small Businesses
Clarify Capital offers business loans up to $750,000, and funds hit accounts in about 24 hours. Loan terms span 6 to 24 months, and interest rates start at 6%. Applicants need six months of operation and at least $10,000 in monthly revenue.
The loan application process asks for basic docs; it looks at business performance and cash flow.
Business owners pick term loans, lines of credit, or equipment financing. They serve amazon sellers and other e-commerce shops. Funds arrive fast, so owners can cover inventory financing, equipment buys, or other business expenses.
This small business loan costs less in origination fees and late fees than many big banks or SBA loans. Loan accounts link to accounting software, and advisers help with payment schedules based on prime rate moves.
Borrowers should note that most loans need no hard collateral, though they may sign a personal guarantee.
1West: Suitable for Sellers with Lower Credit Scores
1West offers quick funding for online sellers with credit scores as low as 500. It delivers working capital loans, cash advances, inventory financing, and equipment financing. Loan amounts range from $10,000 to $5 million with terms from three to 36 months.
Approval and funding can happen in 24 to 48 hours. Sellers link their accounting software to speed the loan application process. Lenders check cash flow and business performance. It suits firms with six months in business and at least $120,000 in annual sales.
This small business loan option works even when banks say no. 1West relies on cash flow data instead of a credit report alone. Most packages need no hard collateral; they ask for a personal guarantee.
Amazon sellers and e-commerce shops can keep cash flow steady. Firms tap flexible interest rates to match their costs. They choose a line of credit or lump sum financing for expenses.
Takeaways
Small shops often need cash fast. Stripe and PayPal users can tap into working capital in days. Amazon sellers also find flexible lines of credit. E-commerce lending platform options let you skip long bank waits.
Providers ask for fees, daily sales cuts, or a personal guarantee. Checking rates, origination fees, and interest can ease your choice. These tools pair with your accounting software and marketplace vaults to keep numbers clear.
Your cash flow jumps when you snag the right loan partner.
FAQs
1. What loan types serve Amazon sellers using payment platforms like Stripe or PayPal?
Lenders offer small business loans, SBA loans and lines of credit. You can get equipment financing to buy gear. Inventory financing is also an option. Peer-to-peer lending and marketplace lending work too. Private lenders back some plans.
2. What fees and rates apply to these capital loans?
Most loans start with origination fees. Lenders charge interest rates or a prime rate based fee. They may add late fees or require a down payment. Some use a nominal interest rate that nets a real interest rate after compounded interest. A few give cashback rewards or cash-back on early payoff.
3. How does the loan application process look?
It starts with your credit score and credit history. We all get nervous at application time. Lenders check cash flow, business expenses and accounting software records. Some ask for a personal guarantee or a down payment. You fill out the loan application process online, then bankers or private lenders review it. Better Business Bureau reports and credit reporting help spot defaults.
4. How fast can I see the funds?
Many lenders promise quick funding in one day after approval. They send cash via bank transfer or load it on a debit card. You can pull money at ATMs or pay bills fast. It can be a piece of cake if you pick a fast lender.
5. Can I use these loans for gear or stock?
Yes, you can tap equipment financing to grab new machines or tools. You can tap inventory financing to restock hot items. Use the cash as working capital or for other business expenses. Later, you can refinance or leverage your assets, using book value and accounting for accumulated depreciation.
6. How do I track and repay these loans?
Link your account to accounting software or a credit card processor. Log each interest payment and principal. Factor in GST and rebates if you qualify. Set up auto pay to avoid late fees. You can choose peer-to-peer lending or SBA loans for refinancing to cut compounding interest.
