Not everyone wants to give up equity just to get some cash in the bank. Revenue-based financing is one way around that. You get money upfront, and what you pay back moves with your sales rather than sitting at some fixed number every month. If your revenue is fairly steady, it can cover stock, ads, growth, or the boring day-to-day stuff.
Before choosing anyone, check four things: how much you can get, the repayment terms, who actually qualifies, and what it all costs by the end. Ten providers worth a look in 2026 are below.
1. Fundshop
Fundshop, which you’ll find at https://www.gofundshop.com/, offers revenue-based financing to small and mid-sized businesses that need working capital. Owners usually spend it on stock, marketing, equipment or just keeping the lights on, and the pitch is simple: skip the long wait that comes with a bank application.
The company says it looks at your business performance and revenue when deciding who qualifies. How much you can get, and on what terms, is worked out after you apply, so there’s no fixed number to quote here. That’s pretty normal for this kind of product, to be fair. Different sales histories, different offers. If you’ve only ever looked at bank loans, revenue based loans work differently, since repayment follows your sales instead of a flat schedule.
2. Founderpath
Founderpath is one of the few names on this list that is built around a single type of business: SaaS companies with recurring subscription income. That focus matters. Subscription revenue is easy to forecast, so a lender who understands it can judge your numbers in a way a general-purpose provider might not.
Founders typically put the money into getting customers, building product or hiring, and they keep their ownership. The catch is obvious. If you’re not a software company with steady recurring revenue, this probably isn’t your door. And even if you are, look at how the repayment ties to your income before assuming it will feel light in a slow quarter.
3. Wayflyer
Wayflyer is all about e-commerce. If you sell products online, you already know the problem: you have to pay for inventory and ads months before the cash from those sales lands. Wayflyer is built for exactly that gap.
Online sellers tend to use it for stock, bigger ad budgets and seasonal rushes like the holidays. Compared with a general lender, it speaks your language, which can make the process feel less painful. Still, read the eligibility rules and work out what repayment will really cost before accepting. A seasonal business can find a fast-growing repayment hard to love in February.
4. Clearco
Clearco is another name you’ll hear a lot in e-commerce and direct-to-consumer circles. The funding usually goes toward marketing, stock and growth plans, so it overlaps with Wayflyer quite a bit.
That overlap is useful, actually. If you’re in that world, get offers from both and put them next to each other. Whether Clearco is a good match depends on your business model, your sales and, of course, the terms on the table. A brand with high repeat purchases will look very different to a lender than one that lives on one-off sales.
5. Onramp Funds
Onramp Funds is aimed at online sellers who need working capital, and it looks closely at your sales performance and how you sell online. In practice that means your numbers do most of the talking.
It could suit retailers who spend half their week balancing inventory against cash flow. If that sounds like you, it’s a reasonable name to add to your shortlist next to the bigger e-commerce players. Just remember a smaller or newer-feeling provider doesn’t automatically mean better or worse terms. You have to compare them.
6. Uncapped
Uncapped works with digital businesses and online retailers, and you can use the funding for marketing, stock or expansion. It sits in the same general area as Wayflyer and Clearco, so the same advice applies: don’t judge it in isolation.
What I’d pay attention to is the fine print on eligibility and terms. Go through them slowly before you commit, and check whether the provider actually serves your market and business type. A great product that isn’t available where you operate is no use to anyone.
7. Liberis
Liberis does things a bit differently from most of the others. It partners with banks and other service providers, so the funding often shows up inside platforms that businesses already use. You might see an offer without ever going out to look for one.
That can make it easier to get, since there’s less paperwork and less hunting around. The flip side is that what you can access depends on your market and on which partner is involved, so availability isn’t the same for everyone. It’s less “apply anywhere” and more “see if it’s offered through a platform you use.”
8. National Funding
National Funding is a more traditional lender for small and mid-sized businesses. It’s not limited to online sellers or software, which makes it a handy option if your business doesn’t fit the e-commerce or SaaS boxes.
It has options for working capital, equipment and other operating costs, so it can cover several needs at once. The advice here is simple. Put the repayment schedules side by side and look at the total cost, not just the monthly amount. That’s where offers really start to differ.
9. Credibly
Credibly offers small business financing, including working-capital products. Think of it as a broad provider for owners who need cash to cover expenses or fund a growth push without a specific niche.
Because it has several products, requirements vary by product and by your financial profile. Don’t assume one answer fits all, and don’t be shy about asking which product they think suits you and why. If the explanation is vague, that tells you something too.
10. Kapitus
Kapitus has a handful of financing products, and some of them are revenue-based, while others aren’t. That’s worth knowing before you start, because it means you can end up with very different structures depending on the one you pick.
Businesses use it for expansion, equipment and operations. The smart move is to compare the structures and pick the one that matches your cash flow, not the one that looks smallest on the first page of the offer.
Which One Fits Which Business?
If you sell software on subscription, start with Founderpath. If you sell products online, Wayflyer, Clearco, Onramp Funds and Uncapped are the natural group to compare. If you’d rather get an offer through a platform you already use, Liberis is worth checking. And if your business doesn’t fit neatly in any of those, National Funding, Credibly and Kapitus are the more general picks.
None of this is a ranking of quality. It’s a map of who is built for what.
How to Choose the Right Lender
Ignore the biggest advertised limit. It’s rarely the useful number. Start with how much you really need, how fast you need it, and whether your projected revenue can carry the repayments.
When you compare offers, look at the total you’ll pay back, the fees, how often you pay, and anything extra tucked into the contract. Some products genuinely adjust to your revenue. Others have fixed payments but are still marketed as “flexible,” which is worth watching for.
One more thing: a regular loan and a merchant cash advance aren’t the same animal. The structure, cost and legal side can all differ, so make sure you know which one you’re signing.
Final Thoughts
The best revenue-based financing provider depends on your business model, funding needs, and repayment preferences. Fundshop is worth considering for small and mid-sized businesses seeking working capital, while other providers focus on SaaS companies, e-commerce brands, or broader financing solutions.
Before making a decision, compare eligibility requirements, total financing costs, and repayment terms. The right option should support your business growth without putting unnecessary pressure on cash flow.