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Kickpay business financing review

Get an advance on the next 16 week of online sales.’s rating: 3.7 / 5.0


  • Best for e-commerce businesses that want to fill more orders.
  • Pick something else if your business doesn't have an online store.


Min. Amount$20,000
Max. Amount$1,000,000
Loan Term16 weeks
APRNot applicable
RequirementsAt least $250,000 in the past 12 months of revenue, e-commerce business, use a 3rd party fulfillment center for storing and shipping inventory, at least one US location.

How much will this cost me?

Kickpay charges a flat fee instead of interest. The fee is typically 3% to 7% of your inventory's manufacturing price and is paid back on a unit-by-unit basis. Advances run from $20,000 to $1,000,000.

Unlike other business loans, Kickpay doesn't require a personal guarantee from the owner. But it backs the advance with a lien on your business's assets.

How it works

The fee you receive depends on factors like the amount of inventory you typically sell in a month versus the amount you purchase.

Your advance also depends on your business's sales history. Typically, you can finance 85% of the inventory you have in stock or what Kickpay estimates your business can sell over 16 weeks.

What do I need to qualify?

Your business must generally meet the following requirements to qualify for Kickpay financing.

  • E-commerce business
  • Made over $250,000 in revenue over the past 12 months
  • At least one registered entity in the US
  • Uses third-party fulfillment center

What fulfillment centers does Kickpay work with?

Kickpay currently works with over 100 fulfillment centers. If you don't see the one you work with when you apply, you can request it by emailing Kickpay's customer service team.

Here are some fulfillment centers that are already integrated with Kickpay:

  • Argents
  • Clique Here Global Fulfillment Services
  • DCL Logistics
  • Easypost
  • Elite Ops
  • Encore Fulfillment
  • Fulfillment by Amazon
  • Fulfillment Works LLC
  • Giddy Up
  • Mochila Fulfillment
  • Oxspring Paul
  • RubyHas Fulfillment
  • Rush Order Flexible Fulfillment Solutions
  • Sauceda Fulfillment
  • ShipBob
  • Shipmonk
  • Shipwire
  • Ships-a-lot
  • Simple Global
  • Swan Packaging Fulfillment
  • Symphony Commerce
  • Tagg Logistics
  • UPS
  • Whiplash

What information do I need to qualify?

You'll need to have the following information on hand when you fill out the application:

  • Bank account login credentials
  • E-commerce store credentials
  • Fulfillment center credentials
  • Basic information about yourself and your business

What industries does Kickpay work with?

Kickpay currently specializes in e-commerce businesses — with the exception of fast fashion. If you don't have an online store, you won't be able to use this service.

Pros and cons

  • Low fixed fee of 3% to 7%
  • Can pay your manufacturer directly
  • No personal guarantee
  • Direct line to company owners
  • Inventory must be stored in US
  • Extra fees if you can't repay after 16 weeks
  • Must use a third-party fulfillment center
  • No customer service line before applying

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Is Kickpay legit?

Yes, Kickpay is a legitimate lender. It's backed by investors like Y Combinator, Foundation Capital and Index Ventures. Its website has an active security certificate issued by Amazon to keep your information protected.

It also takes further steps to protect your more sensitive information when you apply. For example, it goes through Plaid to securely connect your bank account. Plaid uses encryption to scramble sensitive information and credentials even Kickpay can't access. But it doesn't have an easily accessible privacy policy on its website.

Kickpay reviews and complaints

BBB accredited No
BBB rating N/A
Trustpilot Score 3.2 out of 5 stars, based on 1 customer reviews
Customer reviews verified as of

Kickpay doesn't have any customer reviews on Trustpilot or the Better Business Bureau as of June 2020. It has a few mentions on Reddit, where one customer claims that the service works well — but doesn't offer much detail.

This isn't necessarily a bad thing given Kickpay is relatively new to the scene. But it makes it difficult to know what to expect as a customer.

How do I apply?

You can get started on your application by following these steps.

  1. Go to the Kickpay website and click Log in.
  2. Click Create an account and enter your work email address. Hit Get started.
  3. Follow the directions to enter information about yourself and your company, and create a password. Hit Submit.
  4. Follow the instructions to connect your bank account, e-commerce store and fulfillment center.
  5. Wait while Kickpay uses the data from these accounts to underwrite your loan.
  6. Review your offer and sign the contract.

Setting up an account can take between 7 and 10 days. After your account is ready, you can receive your funds within 24 to 48 hours. Overall, the turnaround time on this advance is 8 to 12 days.

What happens after I apply?

That depends on your business. If you already have inventory on stock, Kickpay can send the funds directly to you. Otherwise, it'll disburse the advance directly to the manufacturer.

Kickpay currently gives all clients a direct line to the company's founders to sort out any problems — you won't have to speak to a staff member that doesn't know the answers to all of your questions.

How do repayments work?

Kickpay automatically deducts your repayment on the manufacturing price plus a fee each time inventory ships from your fulfillment center. If you haven't paid off the loan over 16 weeks, you have three options.

  • Repay the remaining balance in full without any extra fees.
  • Refinance the advance for another 16 weeks — with a new fee of 3% to 7%.
  • Sign up for a repayment plan with a 0.77% weekly fee on the outstanding balance and minimum weekly repayments.

See how Kickpay compares to other providers by reading our guide to inventory financing.

Frequently asked questions

Business loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
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We rate business loan providers on a scale of 1 to 5 stars based on factors like transparency, costs and customer experience. We don’t take into account elements like eligibility criteria, state availability or payment frequency — we save that for our reviews.

Read the full methodology of how we rate business loan providers to get a better picture of what goes into each star rating.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Kickpay offers loans to e-commerce companies. Unlike a traditional lender, this company analyzes your sales data and gives you an advance on the manufacturing price of inventory that it expects you to sell quickly, usually in about 16 weeks.

While funding is based on your inventory costs, you can use the proceeds to cover any legitimate business expense.

You’ll repay the advance plus a fee as your customers buy your products. But if you hit an unexpected dip in sales, you could be on the hook for more fees than you expected. It also requires you to use a third-party fulfillment center and store your inventory in the US.

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