eCommerce Funding Calculator

Key facts

• Onramp Funds funds U.S. ecommerce businesses with at least $10,000 in monthly sales and six months of selling history.
• Flat fee, disclosed upfront and non-compounding, as low as 9% ($4,500 on $50,000). Subject to credit eligibility; rates and terms may vary. Longer terms cost more; enter your expected term and the calculator shows an example fee for it. Your offer states the exact fee.
• Repayment is a fixed percentage of daily sales: lower when sales slow, higher when they spike.
• Nine platforms: Amazon, Shopify, Walmart, BigCommerce, WooCommerce, Squarespace, Shopline, TikTok Shop, and Stripe. Funding in less than 24 hours once approved.

Last updated September 11, 2026. Fee presets, payout timing, and Onramp Funds eligibility and fee example checked against the published sources listed at the end of this page.

How to use the funding calculator

Choose what the capital is for (an inventory restock, scaling ads, a product launch, a new channel, or a peak-season build), then enter your monthly revenue, contribution margin, the cash the plan needs up front, and the revenue you expect it to produce. The calculator sizes the capital need against your cash on hand, applies an example flat fee and repayment rate, and draws two cash timelines: one paying for the plan from cash, one funding it with an advance repaid as a percentage of sales.

• Cash the plan needs up front: the purchase order total, the ad budget for the campaign, or the launch cost.
• Expected revenue from it: what the plan sells over its period. For inventory, the cost is already inside your contribution margin; for ads, the spend is on top of margin, and the calculator handles both.
• Weeks until that revenue is in: lead time plus sell-through for inventory, or the campaign window for ads.
• Advance terms: the fee starts at the as-low-as 9% example. Subject to credit eligibility; rates and terms may vary. Enter your expected repayment period and clear the fee field to see an example for that term; longer terms cost more. Type a quoted fee to use it instead. Your offer states the exact figures.

What makes this different

• Both paths on one chart: the lowest bank balance with and without the advance is the number that decides whether you can afford to wait.
• Repayment that flexes: the advance is repaid as a share of sales, so the timeline shows repayment slowing when sales slow rather than a fixed monthly hit.
• Cash timeline on every result: when the money goes out, when it comes back, and the lowest point in between.
• Compare two scenarios side by side, share a link with your numbers, or save the result as a PDF. Inputs carry over between the calculators on this site.
• Nothing is stored. Everything runs in your browser.

How Onramp Funds advances work

Onramp Funds advances capital to U.S. ecommerce businesses with at least $10,000 in monthly sales and six months of selling history, underwriting on real sales data across Amazon, Shopify, Walmart, BigCommerce, WooCommerce, Squarespace, Shopline, TikTok Shop, and Stripe. The fee is flat, disclosed upfront, and non-compounding, as low as 9% of the funded amount ($4,500 on $50,000). Subject to credit eligibility; rates and terms may vary. Price scales with the term of the advance: enter your expected repayment period and the calculator shows an example fee for that term, or type your quoted fee. Your offer states the exact figure. This calculator models the percentage-of-sales advance; Onramp's Fixed and Rolling Cash Line products repay on different schedules and are not modeled here. Repayment is a fixed percentage of daily sales: lower when sales slow, higher when they spike. No personal credit check. Funding arrives in less than 24 hours once approved. See how much capital your combined revenue unlocks.

Sources

• Onramp Funds: how it works, eligibility, and fee example

Frequently asked questions

How much funding can I get?

An amount sized to your combined sales, stated in your offer. The calculator rounds your need to the nearest thousand.

What does an advance cost?

A flat fee on the funded amount, as low as 9%, disclosed in the offer. Subject to credit eligibility; rates and terms may vary. Fees scale with term; the calculator shows an example fee for the term you enter, or uses the fee you type. The effective cost is the fee divided by the amount, not an APR.

How is it repaid?

As a percentage of sales until the advance plus fee is repaid. If sales slow, the repayment slows with them.

Does this calculator store my data?

No. Everything runs in your browser and nothing is uploaded.