Fast application

We can import your business information directly from Shopify.


Less paperwork

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


No credit check

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


Get funded faster

If approved, your offer is available in minutes and funds can be deposited in hours.

How Does Funding Through Shopify and Onramp


Thanks to our secure integration with the Shopify eCommerce platform, Onramp can quickly provide offers, approvals, and funding to qualified Shopify merchants.

1 min

Get your initial estimate

With just a few quick questions, we'll provide an estimate for how much funding you could get.

5 mins

Securely connect your store

Connect your store with the highest security and privacy standards to provide you with the largest offer.

<24 HRS

Receive funds

You know your business best, so we’ll provide multiple offers to choose the one that works best.

Most Shopify funding applications are approved and funded within 24 hours!

A man sitting on a chair in front of a desk.

Shopify Merchant Funding Eligibility and Repayment

Your eligibility and offer are based on three main criteria:

  • Your sales history
    This is to ensure you have basic stability as an online retailer with Shopify, with a strong probability of repaying your cash advance.
  • Your cash flow needs
    We want to help you succeed, so we evaluate what the “right” amount of money is, not just the minimum.
  • Your current debt obligations
    We want to help you manage your cash flow and debt, not bury you in obligations you can’t repay.

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

Trusted by thousands of merchants

Questions about Shopify Funding? We've got answers.

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

  • If approved, you’ll gain access to the funds in less than 24 hours.
  • 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.

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, Shopify upgrades, 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 the sales that come through your Shopify storefront, 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 Shopify 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 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.

Is there a commitment?

Any eCommerce seller on Shopify or other eCommerce platforms 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 Shopify store?

We’re a modern lender that bases our lending decisions on the business performance data from your Shopify store.

Have a different question?

Get in touch with us

Get the Working Capital Your Business Needs.

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

A woman standing in front of a green wall.

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