Key facts
- Onramp Funds merchant eligibility: at least $10,000 in monthly sales, six months of selling history, a U.S. entity, and a store on one of nine supported platforms.
- Of eligible merchants, 10% to 25% taking funding within a year is a reasonable planning range for inventory-carrying books.
- Advances commonly run between half and one and a half times monthly revenue.
- Referral terms shown are placeholders; the signed partner agreement governs.
Last updated September 7, 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 referral calculator
Enter how many ecommerce merchants you work with, their average monthly revenue, the share that meet Onramp Funds eligibility ($10,000 in monthly sales, six months of selling history, U.S. entity), the share you expect to take funding in a year, the typical advance size as a percentage of monthly revenue, how many advances a merchant takes per year, and the referral payment rate. The calculator returns funded merchants, annual funded volume, and estimated referral revenue, per funded merchant and per merchant in your book.
What the estimate assumes
- Take rate: of eligible merchants, 10% to 25% taking funding within a year is a reasonable planning range for partners whose merchants carry inventory.
- Advance size: commonly between half and one and a half times monthly revenue.
- Referral terms: the rate shown is a placeholder. The signed partner agreement governs.
What makes this different
- Book-level view: revenue per merchant in your book is the number that tells you whether a referral program is worth building into onboarding.
- 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.
Why partners refer to Onramp Funds
Agencies, 3PLs, and aggregators see the cash gap before the merchant does: the ad budget that cannot scale, the PO that ships late, the channel expansion that stalls. Onramp Funds underwrites on connected sales data across 9 platforms, funds in less than 24 hours once approved, and repays as a percentage of sales, so the merchant's capital grows with the results the partner delivers. No personal credit check.
Sources
Frequently asked questions
Who qualifies as a partner?
Agencies, 3PLs, marketplaces, aggregators, software platforms, and advisors who work with U.S. ecommerce sellers.
What do merchants need to qualify?
At least $10,000 in monthly sales, six months of selling history, a U.S. entity (LLC, single-member LLC, C-Corp, or S-Corp), and a store on one of the 9 supported platforms.
Does this calculator store my data?
No. Everything runs in your browser and nothing is uploaded.
Onramp Funds
Funding built around your sales
Connect your store and see what you qualify for. Repay as a percentage of sales, with no personal credit check.
Funding in as little as 24 hours.
