Loans at the speed of eCommerce
Connect Your
Stripe
Account and Get an Offer in Minutes!
If you need funding fast and your business already uses Stripe, you’re in luck! Onramp makes it easy for you to get a financing offer using the business performance data from your Stripe account.
Fast application
We can import your business information directly from Stripe.
Less paperwork
You don’t need to provide additional proof of 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 Stripe and Onramp
Work?
Thanks to our secure integration with Stripe, Onramp can quickly provide offers, approvals, and funding to qualified Shopify users.
Get your initial estimate
With just a few quick questions, we'll provide an estimate for how much funding you could get.
Securely connect your account
Connect your Stripe account with the highest security and privacy standards to provide you with the largest offer.
Receive funds
You know your business best, so we’ll provide multiple offers to choose the one that works best.
Most Stripe funding applications are approved and funded within 24 hours!
Stripe 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 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 Stripe business and future sales projections. We win when you win – that’s the Onramp promise.
Trusted by thousands of merchants
Questions about Stripe Funding? We've got answers.
What are the benefits of using Onramp to fund my business 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, TikTok, Stripe, BigCommerce, WooCommerce, Squarespace and SHOPLINE. 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, 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 Stripe account 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 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 Stripe account?
We’re a modern lender that bases our lending decisions on the business performance data from your Stripe account.
Have a different question?
Get in touch with usGet the Working Capital Your Business Needs.
Let’s connect your Stripe account to Onramp and get your offer rolling!
