When comparing eCommerce loan providers, two factors matter most: the true cost of borrowing and how repayment aligns with your sales rhythm.
Onramp Funds – Dynamic Repayment, Transparent Pricing
Onramp Funds stands out with a model built on transparency. Sellers pay a simple flat fee, not compounded interest, and repayment automatically adjusts based on store revenue. This protects cash flow and reduces risk during sales downturns.
Amazon Lending
Amazon Lending offers short-term loans with competitive rates, typically between 6% and 12% APR depending on seller metrics. Repayments are automated through Seller Central, but flexibility is limited — payments remain constant regardless of performance.
Stripe Capital
Stripe Capital offers quick approvals and daily repayment from card transactions. Its pricing is fixed, not variable, making it predictable but less responsive to sales fluctuations.
Shopify Capital
Shopify Capital charges a one-time fixed fee instead of interest, which simplifies costs. However, for fast-growing stores, total repayment may end up higher than Onramp’s adaptive structure.
Across all options, Onramp Funds offers the most balanced approach — competitive costs and repayment that evolves naturally with your business.
