Platform lenders only see one store. Enter your revenue across platforms and see the total capital you could access with Onramp Funds.
No signup required. No personal credit check to see your offer.
Enter your monthly revenue on the left to see how much capital each platform can see, and how much you might be leaving on the table.
Enter your revenue by platform. The calculator shows what each platform lender can see and what they miss.
Link your Amazon, Shopify, Walmart, or TikTok Shop accounts. Onramp underwrites on your real, combined sales data.
Receive a funding offer based on your full business, typically within hours. No personal credit check to see your offer.
Shopify Capital only sees your Shopify sales. Amazon Lending only sees your Amazon sales. If you sell on more than one platform, every embedded lender is underwriting on an incomplete picture of your business.
Onramp connects to 8 platforms and underwrites on your combined sales, not just one slice.
No waiting for an invitation. Connect your stores and get an offer, typically within hours.
Repayment flexes as a percentage of your sales. Your marketplace payouts stay in your control.
Onramp underwrites on ecommerce sales data. No personal credit check to see your offer.
Feature comparison based on publicly available information. Verify details with each provider before making decisions.
| Onramp Funds | Shopify Capital | Amazon Lending | |
|---|---|---|---|
| Platforms underwritten | 8 platforms combined | Shopify only | Amazon only |
| How to apply | Apply anytime | Invite only | Invite only |
| Personal credit check | No personal credit check | Soft pull | No |
| Repayment method | % of sales, flexes with revenue | % of daily sales (payout sweep) | Fixed monthly payments |
| Controls your payouts? | No | Yes (deducts from payouts) | No |
| UCC-1 filing | No | Yes | Varies |
| Revenue minimum | $10,000/mo | Varies (invite-based) | Varies (invite-based) |
| Fee structure | Flat fee, disclosed upfront | Factor rate, flat fee | APR-based interest |
| Speed to funding | Typically 1-2 business days | 1-5 business days | 1-5 business days |
Competitor details are from publicly available sources as of September 2026. Confirm current terms directly with each provider before making any financing decision.
The calculator shows an estimate. Connect your stores to see an actual offer based on your sales data. No personal credit check to see your offer.
Get funded →