Fast application

We can import your sales history from Amazon Seller Central in minutes.


Less paperwork

You won’t need to provide additional proof of sales or revenue.


No personal credit check

Unlike a traditional loan, your offer isn’t based on your credit score.


Get funded faster

Once approved, you’ll see the funds deposited in hours.

How Do I Get


Using My Amazon Seller Account?

Using secure APIs, Onramp integrates directly with the Amazon store using your Seller Central account. Once we have access to your business performance data, Onramp can quickly provide offers, approvals, and funding to qualified Amazon sellers.

1 min

Submit your funding request

Start your funding request using Onramp’s site.

5 mins

Securely connect your store

Create an Onramp account and connect it to your Amazon Seller Central account.*

<24 HRS

Receive funds

If you accept the offer you can see the funds in your account in less than 24 hours.

Most requests are approved and funded within 24 hours!

*Read-only access required
A man sitting on a chair in front of a desk.

Amazon Seller Funding Eligibility and Repayment

Your eligibility and offer are based on three main criteria:

  • Your sales history
    This is to ensure your reputation as a seller with Amazon is good. You can increase the value of your offer by connecting multiple eCommerce platforms where you have a sales history.
  • Your cash flow needs
    Expect multiple offers with the freedom to pick what works best for your business. We want to help you succeed.
  • Your current debt obligations
    Onramp exists to help eCommerce businesses like yours manage cash flow, not bury you in financial obligations.

Once we’ve evaluated those criteria, we build a funding and repayment package that’s customized to your Amazon business and future sales projections. We win when you win – that’s the Onramp promise.

Trusted by thousands of merchants

Questions about Amazon Funding? We've got answers.

What are the benefits of using Onramp to fund my growth?

  • Once approved, you’ll gain access to the funds in less than 24 hours.
  • You can connect multiple eCommerce platform accounts to achieve the best offer possible.
  • You have zero obligation to accept the offer.
  • Your funding plan is tailored to your business.
  • Your repayments are based on sales.
  • You don’t need collateral or a high credit score.
  • You can use the funds for any business need.

Do I 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.

How do you determine my offer?

We evaluate your Amazon 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 Amazon seller business at risk with too much debt.

How long does it take to get pre-qualified?

Signing up and connecting your Amazon 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 Amazon seller can sign up, connect their store and receive a pre-qualified offer with zero obligation.

How long does it take to get pre-qualified?

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

What can I use my funds on?

As the owner of your business, you know your business best. Use your funds on inventory, product development, shipping and logistics, marketing spend, overhead expenses, or whatever grows your Amazon business and drives sales. We are always happy to strategize with you!

How do I repay?

Your payments sync with your sales deposits through the Amazon store every 14 days. You’ll never have to worry about your ability to repay if your Amazon sales slow down. You pay us when you receive sales deposits.

Why does Onramp require read-only access to my Amazon Seller account?

We’re a modern lender that bases our lending decisions using business performance data from your Amazon Seller Central account.

Have a different question?

Get in touch with us

Get the Working Capital Your Business Needs.

Let’s connect your Amazon account to Onramp and get your offer rolling!

A woman standing in front of a green wall.

Latest Posts for Amazon Sellers


Why Online Sellers Should Choose eCommerce Business Loans

eCommerce business loans are a powerful financing tool for any growing online business. Learn more about how eCommerce loans differ from other funding options.


Unlocking Opportunities: How Selling on Amazon Can Transform Your Business

Selling on Amazon is a good strategy for business growth and profitable operations. Take a closer look at the benefits and strategic opportunities.


How to Overcome Amazon FBA Cash Flow Issues in Today's Market With Better eCommerce Seller Financing

Improve your Amazon FBA cash flow to the fullest potential without hurting your business operations. See which eCommerce seller financing options benefit you.

Do you have a store somewhere other than Shopify?