Fundbox is a financial technology company offering a variety of financing solutions for small businesses.
Best Shopify Capital Alternatives ranked by AI · updated Aug 2026
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Shopify Capital offers eligible Shopify merchants funding based on their store activity and sales performance. It is primarily for Shopify businesses that want financing integrated directly into their commerce platform.
Top 6 Shopify Capital alternatives
Stripe Capital provides financing offers to eligible businesses that process payments through Stripe. Repayment is typically collected as a percentage of sales,...
Pros
- Repayments adjust with sales instead of requiring a fixed monthly payment
- Application and repayment are integrated into Stripe's payment platform
- Offers can be available without a traditional lengthy loan application
Cons
- Eligibility is largely limited to businesses with Stripe payment history
- Total financing cost and available amount vary by business and offer
- Less suitable than a term loan for predictable, long-term financing
Variable fixed fee; offer-based
Payability provides ecommerce sellers with faster access to marketplace and online-store revenue through receivables advances and working-capital products. It is designed for...
Pros
- Provides access to eligible marketplace revenue before normal payout schedules
- Designed specifically for ecommerce sellers rather than general small businesses
- Offers both ongoing payout access and larger working-capital advances
Cons
- Financing costs can be higher than bank credit or a business line of credit
- Eligibility and advance limits depend on marketplace history and account performance
- Repayment is tied to future ecommerce revenue, which can pressure cash flow during downturns
Variable financing fees disclosed per offer
4
8fig
8fig
8fig provides cash-flow planning, supply-chain management, and growth funding for ecommerce sellers. It is aimed at merchants managing inventory purchases, sales forecasts,...
Pros
- Stronger inventory and supply-chain planning than Viably
- Designed for ecommerce businesses scaling product sales
- Combines forecasting with access to growth capital
Cons
- Less suitable if you primarily need a business bank account
- Funding eligibility depends on business performance and sales data
- Pricing is less transparent than free banking alternatives
Subscription and financing fees vary
5
Wayflyer
Wayflyer
Wayflyer provides revenue-based financing and financial tools for ecommerce businesses. It is intended for merchants that need working capital for inventory, marketing,...
Pros
- Strong focus on fast ecommerce working capital
- Repayment can be linked to business revenue
- Useful for funding inventory and marketing campaigns
Cons
- Primarily a financing provider rather than a complete banking platform
- Total capital cost varies and may exceed bank borrowing
- Availability depends on sales history and market
Custom financing fees
6
Clearco
Clearco
Clearco provides non-dilutive funding for ecommerce and digital businesses, including revenue-based and other growth-financing products. It is aimed at companies that want...
Pros
- Offers non-dilutive funding designed for digital businesses
- Can support inventory, advertising, and customer-acquisition spending
- Does not require founders to sell company equity
Cons
- Not a business-banking or full cash-flow-management product
- Funding terms and availability vary substantially
- Financing cost can be difficult to compare before an offer
Custom financing fees
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