Why choose
Capital Advance?
Sometimes it takes a financial boost to bring your business vision to life. For ecommerce sellers, freelancers, and SMBs of all sizes, Capital Advance can be that boost, offering up to 140% of your monthly volume (capped at 750,000 USD).
No credit checks, just fast capital
Funding is received based on the earnings history of your ecommerce store or small-medium sized business. As you get paid into your Payoneer account, your earnings will determine the amount of capital you’re eligible for. Earn more to receive bigger offers.
Get your funds instantly
When you accept an offer, the funds hit your Payoneer account in minutes and you can withdraw them or make payments from your account with just a few clicks. No paperwork, no waiting for bank transfers – get your funds and seize your opportunities.
Settle at your pace
When it comes to settling your offer, we collect a fixed percentage of your future earnings as they come into your Payoneer account. Flexible extra funding without the stress of a fixed repayment schedule so you can handle day-to-day expenses while investing in long term growth.
One fee and zero surprises
Our fixed fee is collected along with the settlement amount, and you’ll always have full transparency. No more surprise fees, so your bank account can breathe as your business reaches new heights.
Just start getting paid, we’ll
do the rest
The only way to access Payoneer’s Capital Advance is to sign up and start receiving payments with your Payoneer account! Once we’ve calculated your eligibility, we’ll start sending you funding offers for your business.
Take the next steps
Ready to take the next step towards funding your business’ future?
Hear from our clients
Evans
Owner of Westend Toys
“For small growing eCommerce businesses like us, easy and cheap access to growth capital is essential to our success. Payoneer’s Capital Advance program is easy to understand, quick to get cash in your hand and offers very competitive rates. Their program has been a great asset to our company’s growth over the past two years, helping us acquire inventory and fund our growth without having to stress about raising capital!”
Andrew
Owner of FastnFuriousShipments.com
““Payoneer is reinventing capital partnership by truly getting to know its customer and their business, revenue, profitability, and potential. With the help of Payoneer, my company grew 5400% in one year, and we’re thankful for the doors they opened and continue to open for us, as we aggressively build our team, and expand into new markets.”
Paul
Owner of Universal Product Solutions Limited
“Payoneer has stepped in to save the day for all growing Amazon sellers. We’ve received amazing working capital offers that have been delivered quickly, with fair settlement terms that are much easier on our business’ cash flow. When it comes to getting help growing your business of any size, Payoneer is the only choice!”
Frequently asked questions
It’s a working capital solution for eCommerce sellers with Amazon and Walmart stores available in USD, GBP, EUR, JPY and AUD. Payoneer purchases a part of your future account receivables equivalent to the Capital Advance amount plus a fixed fee (the settlement amount). Once accepted, the Capital Advance funds becomes available instantly.
There are three Capital Advance products; Express (1-month), Grow (3-months), and Plus (6-months). As you continue to accept and settle your offers, you can become eligible for higher levels of Capital Advance, featuring bigger offers and longer settlement periods. You’ll also have the flexibility to choose between previous levels based on your cash flow needs at the time.
The amount of working capital offered to merchants is based on the historical sales performance of the associated Walmart and Amazon stores, as well as predicted future sales. The maximum we offer is up to 140% of your store’s monthly volume (capped at $750,000).
The fee we charge for a Capital Advance is a small, fixed percentage of the Capital Advance amount. The fee, along with the working capital amount, are together called the settlement amount. It’s as simple as that – no surprises.
Payoneer collects a portion of each marketplace payment you receive from the store associated with the Capital Advance. The gradual collection continues until the full settlement amount has been collected, so you have cashflow for your day-to-day operating expenses. Once an offer is settled, eligible sellers will receive new Capital Advance offers immediately.
You can also see our full Capital Advance FAQ here
A universe of opportunities. One trusted partner.
Our customers say
*This web page is provided for general informational purposes only. All information contained herein is provided in good faith, however, we make no warranty of any kind regarding validity or your eligibility for the offer and Payoneer reserves the right to amend the information from time to time in its full discretion. Final terms and conditions will be concluded upon acceptance of the final offer that is offered by us to you via applicable Terms and Conditions and Transaction Summary.
Capital Advance for ecommerce sellers
Submit some information about your business and you could be eligible for one of our working capital plans. Every plan includes instant funding with no credit checks and a gradual settlement.
Thank you for your interest in capital advance!
A working capital expert will be in touch with you soon.
