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Walmart Seller Financing

Lower costs & higher funding limits for your Walmart store

Kickfurther funds up to 100% of your inventory costs on flexible payment terms where you don’t pay until you sell. We fund your entire order(s) each time you need more inventory, so you can put your capital to work growing your Walmart store without adding debt, giving up equity or locking up cash in inventory orders.

  • Often 30% lower cost than alternate lenders
  • Quickly fund $5,000,000+ in inventory for your Walmart store
  • Create your payment schedule (1-10 months)
  • Sell new inventory before paying for it


Deals Funded


In Inventory Funded


Funding Success

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Why choose Kickfurther for

Walmart Seller Funding?

Inventory Funding

Don’t pay until
you sell.

Your payment obligation only begins once your sales are made. This alleviates the cash-flow pinch that lenders cause without customized repayment schedules. Free up capital to invest in scaling your business without impeding your ability to maintain inventory
Market Pricing

30% lower cost

Know your rates. When you compare ours, you’ll often see that you’re saving. We cost less than factoring, PO financing, and many lenders. We also have higher limits than competitors.

Pay Suppliers Directly

Fund up to $5 million
in an hour.

Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), so you’ll never miss another growth opportunity.

Fund Inventory

It’s easy, it works, &
it grows with you.

Companies access higher funding limits and often get lower rates as they return to Kickfurther, creating a scalable solution that grows alongside your company.

We fund inventory for direct-to-

consumer & major store brands


“Tough Times Call For Creative Funding — Check Out
Kickfurther’s Clever Model”


How does Walmart Inventory Financing Work?

Connect with consumers across the United States to get your
inventory funded via our marketplace

Create your online account

Create a business account, upload your business information, and launch your deal

Create Your Account
Get Funded

Get funded within minutes to hours

Once approved, our community funds most deals within a day, often within minutes to hours, so you’ll never miss another growth opportunity.

Control your payment schedule

We pay your manufacturer to produce inventory. Make the introduction and you’re off and running! Outline your expected sales periods for customized payment terms. At the end of each sales period, submit sales reports and pay consignment profit to backers for each item sold.

Payment Schedule

Where you’ve seen us

Complete & Repeat

Complete and repeat!

Complete your payment schedule and you’re done! Often once the community knows you, you’re likely to get lower rates on your next raise.

Funding & Financing for Walmart Sellers

Walmart Inventory Financing

Walmart invites third party retailers to join their massive marketplace with over 90 million shoppers each month. Becoming a Walmart seller can increase demand causing business owners to look for Walmart financing options.

What is Walmart Inventory Financing?

Walmart inventory financing is similar to Amazon financing, Newegg financing, and other online marketplace financing. Sellers can offer products to customers using online platforms such as Walmart. However, sellers will need a way to purchase inventory and cover expenses. This is where Walmart inventory financing comes in. Sellers can use inventory or business loans to access the cash they need to purchase inventory, store inventory, cover business expenses, improve cash flow, and more. While financing may cost more than paying cash, most companies use financing for a variety of reasons. Inventory financing can help companies grow faster, expand customer selection, and avoid losing sales due to inventory delays. In addition, companies may get discounts for purchasing larger quantities of inventory. If you factor the cost of financing into your business model and manage finances appropriately you can increase revenue significantly. The type of financing you choose can determine the repayment terms. For example, if you use a business loan you will most likely receive the funds as a lump sum that is repaid monthly with interest. In the next section we will compare the types of loans available for Walmart third party sellers.

What types of loans are available for Walmart third party sellers?

Third party Walmart sellers have plenty of loan options available. However, newer or less established sellers may be limited on loan options. If you have been in business less than one year you may want to consider using a personal loan. Personal loans can provide funds to get your business off the ground and put you in a position to qualify for other loan options. Let’s take a look at some types of loans available for Walmart third party sellers. . .

#1. Kickfurther

Kickfurther funds up to 100% of your inventory costs on flexible payment terms that you customize and control. With Kickfurther, you can fund your entire order(s) each time you need more inventory and put your existing capital to work growing your business without adding debt or giving up equity.

Why Kickfurther?

No immediate repayments: You don’t pay back until your new inventory order begins selling. You set your repayment schedule based on what works best for your cash flow.

Non-dilutive: Kickfurther doesn’t take equity in exchange for funding.

Not a debt: Kickfurther is not a loan, so it does not put debt on your books. Debt financing options can sometimes further constrain your working capital and access to capital, or even lower your business’s valuation if you are looking at venture capital or a sale.

Quick access: You need capital when your supplier payments are due. Kickfurther can fund your entire order(s) each time you need more inventory.

Kickfurther puts you in control of your business while delivering the costliest asset for most CPG brands. And by funding your largest expense (inventory), you can free up existing capital to grow your business wherever you need it – product development, advertising, adding headcount, etc.

Try Kickfurther

#2. Business Loans

Business term loans can be a smart financing option for more established Walmart third party sellers. In most cases, term business loans provide a lump sum of cash that can be repaid monthly with interest. If you use a business loan with a fixed interest rate, the monthly payment should always be the same. You can pay more each month and should not be penalized as long as there is no early payoff penalty. Paying as little as 10% extra each month can save companies money on interest. Some business loans may require collateral but most shorter term business loans do not. Small businesses may have a harder time qualifying for business loans due to a lack of collateral, insufficient credit, debt-to-income ratios, and larger risks for lenders. Walmart third party sellers looking for business loans can apply for financing through most banks, credit unions, and online lenders. Compared to Kickfurther, business loans may cost Walmart third party sellers more money over time. However, they may also provide more flexibility in regards to how the money can be spent. Most business loans allow companies to use funds for just about anything business related.

#3. Line of Credit

Walmart third party sellers may qualify for a business line of credit. A business line of credit is a revolving loan that provides sellers access to a fixed amount of capital. Similar to a credit card, business owners will only be charged interest on the amount of money they use. Most lenders require businesses to have at least 6 months in business and $25,000 in annual revenue to qualify for a business line of credit. In addition, you’ll most likely need to provide collateral and a good credit score for approval.

Where to Find Walmart Inventory Loans

We highly recommend applying for a Walmart inventory loan at Kickfurther. Business owners can complete the application process online. To get started business owners can upload business information and launch a deal. Once your deal is approved you can receive funds within hours. Most Kickfurther loans are funded within one day of approval. Sellers can repeat the Kickfurther process once their payment schedule is complete. Repeat customers often get lower interest rates the second time around. Walmart third party sellers that want to use other types of inventory loans should find a bank, credit union, or online lender that offers the lending product they need.

How to Choose the Best Business Loans when Selling on Walmart?

While we wish there was a universal answer to this question, there is not. Kickfurther may be the best inventory financing option for some businesses but not for others.  Business owners should invest time evaluating their current situation and growth goals before applying for a business loan. In addition, business owners should consider details such as how much they need to borrow, how much they can afford to repay monthly, what they need funds for, etc.

Can Walmart sellers get business loans with bad credit?

While it may be difficult for Walmart sellers to get business loans with bad credit, it’s not impossible. If you do not have a cosigner or co-owner with good credit, you may need to consider other options. Business owners with bad credit should consider using secured loans. Secured loans require collateral, making them less risky for the lender. Since the lender has less risk they may be more willing to approve a bad credit borrower. Another option for Walmart sellers with bad credit is a personal loan. Some online lenders have minimum credit score requirements as low as 520 for personal loans.

What do you need to apply for Walmart financing & get funding?

To apply for Walmart financing through Kickfurther and get funding you’ll most likely need the following. . .

  • Proven sales
  • Physical products for sale
  • Sales history
  • Revenue documentation
  • Fair to good credit
  • Legal business entity
  • Sound supply chain
  • Reputable business history

If you meet this criteria and can provide supporting documentation, you should apply for inventory financing through Kickfurther. Walmart third party sellers can apply for financing through Kickfurther using these 4 easy steps. . .

  1. Create your online account
  2. Get funded within minutes to hours
  3. Customize your payment schedule
  4. Complete and repeat

Examples of recently funded Walmart seller co-cops include:

How do business loans benefit third party sellers on Walmart?

Third party Walmart sellers can benefit from using a business loan. In most cases, the benefits can be extended to their customers as well. Here are just some of the benefits of business loans for third party sellers on Walmart. . .

  • Increase revenue
  • Attract more customers
  • Improve customer retention
  • Expand customer selection
  • Smoother daily operations
  • Avoid running out of inventory
  • Deliver better customer service
  • Competitive advantage

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How does Walmart seller financing with Kickfurther work?

Brands can access funding their purchase order from marketplace participants. The marketplace allows brands to access private funding at costs that can improve with each use. Your funding for your purchase order goes directly to your manufacturer for production of goods and you make no payments until you receive and begin selling new inventory.

What are the minimum requirements to qualify for Walmart seller financing?

  • Kickfurther works with brands once they’ve reached at least $150,000 or more in trailing 12 months revenue. You do not need to be in business for 12 months, or have revenue in 12 consecutive months, but we review a snapshot of revenue across a period up to 12 months.
  • As we process your application, we review your account statements to calculate your trailing 12 months of revenue. Kickfurther will consider your revenue to be your net sales, which we define as your business’s gross sales minus its returns, fees, allowances, and discounts.

How can I create a Kickfurther co-op?

  • Launching a Co-Op as a Walmart seller involves 3 key steps:
    • Create a basic profile including information about your business and product line. Once you’ve done this you can go live with an “upcoming Co-Op” profile that users can choose to follow to hear when your Co-Op launches.
    • Determine your Co-Op structure using the Kickfurther calculator to determine costs, earnings, and timeline.
    • Verify your Credibility Metrics with the Kickfurther team and finalize your Co-Op profile.

How fast will I get funded?

Once approved and the deal goes live, most deals fund within a day (often within minutes to hours), so you’ll never miss another growth opportunity