How do we 

stack up


We developed Onramp to be a fast and accessible cash solution that responds to the ups and downs of your business. We uniquely protect your margins while enabling your growth. So yeah, we think we stack up pretty well… but we'll let you be the judge of that.

Repayment fees for $100K loan
funding firms
f.r. 1.1
credit card
16% APR
bank loan
12% APR
1% of sales

Reduce financial risk while growing your business

You need cash, but you're either stuck waiting for a loan invitation or faced with a payback scheme that could put your business in financial risk. Our goal is simple: to ensure you have the fuel needed to scale, and the flexibility needed to stay agile.

What are your options?

Each option offers something different. But, when it comes down to what really matters, here's how they compare:

Credit Card
Bank Loan
Lending Firm
Fast access to cash
Low fee
Flexible repayment to protect your margins
Success aligned with your business performance

Got questions? We got answers.

Do you have to be an eCommerce business to apply?

Yes, we exclusively work with eCommerce sellers. At the moment, we support eCommerce merchants selling on Amazon, Shopify, Walmart, BigCommerce, WooCommerce, and Squarespace. We only work with business sellers (​​LLC, Single-Member LLC, C-Corp, S-Corp) based in the United States at this time.

What can I use my funds on?

As the owner of your business, you know your business best. Use your funds on inventory, shipping and logistics, marketing spend, or anything else that would help grow your business and drive sales. We are always happy to strategize with you!

How do I repay?

Your payments sync with your sales, you’ll never have to worry about your ability to repay during a slower month. You pay us when you receive sales deposits.

How do you determine my offer?

We evaluate your sales history, cash flow needs, and debt positions to make you an offer that fits with your cash flow capability. We structure your financing to ensure you’re not putting your business at risk with too much debt.

How long does it take to get pre-qualified?

Signing up and connecting your store takes only a few minutes and allows us to get you a pre-qualification offer. In just a few more minutes, you complete the qualification process by connecting your bank.

Is there a commitment?

Any eCommerce seller can sign up, connect their store and receive a pre-qualified offer with zero obligation. 

How long does it take to get my cash?

We know eCommerce moves at the speed of light, and so do we. Once you sign up and complete the qualification process, we’ll have your cash in your bank account within hours (ACH processing times can vary).

Why does Onramp require read-only access to my store?

We’re a modern lender that bases our lending decisions using your business performance data.