Loans at the speed of eCommerce

Sell on

TikTok Shop?

We'll get you a funding offer fast.

Onramp can help you get the funding you need for your eCommerce business on TikTok Shop. We use business performance data from your TikTok Shop Seller Center account to assess your eligibility and show you multiple funding offers in minutes.

TikTokA woman in a white shirt is looking at a tablet.

Fast application

We can import your sales history from TikTok Shop 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, funds will be deposited in just hours.

How do I get Funding Using my  

TikTok Shop


We participate in the TikTok App Store via a secure API integration.  That allows us to quickly analyze your business performance data and build funding offers, handle approvals, and deliver funding to qualified merchants on TikTok Shop.

1 min

Submit your funding request

Start your funding request using Onramp’s site.

5 mins

Connect your accounts

Create an Onramp account and connect it to your TikTok Shop Seller Center account.*

<24 HRS

Receive funds

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

Most TikTok Shop applications are funded in less than 24 hours!

*Read-only access required
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TikTok Shop Merchant Funding Eligibility and Repayment

Your eligibility and offer are based on three main criteria:

  • Your sales history
    By analyzing your business data from TikTok Shop Seller Center, we can verify that you’re in good standing. If you have additional online storefronts, you can connect them to Onramp to receive a better offer.
  • Your cash flow needs
    We want to help meet the cash flow needs of your business. Once we know how much you need, we can build the right offer for you.
  • Your current debt obligations
    Onramp is here to support your funding needs, not create financial obligations you can’t maintain. We base your offer on your ability to repay it.

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

Trusted by thousands of merchants

Questions about TikTok Shop Funding? We've got answers.

What are the benefits of using Onramp to fund the growth of my business on TikTok Shop?

  • If approved, you’ll gain access to the funds in less than 24 hours.
  • You have zero obligation to accept the offer.
  • You can connect multiple eCommerce platform accounts to achieve the best offer possible.
  • Your funding plan is tailored to your business.
  • Your repayments are based on sales.
  • You don’t need 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 TikTok Shop, 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 TikTok Shop 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 TikTok Shop operation at risk with too much debt.

How long does it take to get pre-qualified?

Signing up and connecting your TikTok Shop Seller Center 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 TikTok Shop can sign up, connect their store, and receive a pre-qualified offer with zero obligation.

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 TikTok Shop business and drives sales. We are always happy to strategize with you!

How do I repay?

Your payments sync with your sales through TikTok Shop’s business platform. You’ll never have to worry about your ability to repay if your TikTok Shop sales slow down. You pay us when you receive sales deposits.

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, including connecting to your TikTok Shop Seller Center, 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 TikTok Shop Seller Center account?

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

Have a different question?

Get in touch with us

Get the Working Capital Your Business Needs.

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

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Do you have a store somewhere other than TikTok Shop?