Onramp Funds
Onramp Funds is a US-based fintech that provides revenue-based working capital to SMB eCommerce sellers, using a proprietary ML underwriting algorithm and direct integrations with Amazon, Shopify, Walmart, and other platforms to fund loans within 24 hours.
- Company typePrivate
- Founded2020
- HeadquartersAustin, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Onramp Funds does
Onramp Funds, Inc. is a US-based fintech founded in 2020 and headquartered in Austin, Texas that provides short-term working capital to small and mid-sized eCommerce merchants. The company's core product is revenue-based financing underwritten by a proprietary machine-learning algorithm that integrates directly with major eCommerce platforms (Amazon, Shopify, Walmart, BigCommerce, WooCommerce, Squarespace, TikTok Shop, and Stripe) to assess creditworthiness from real-time sales data rather than traditional credit scores.
Onramp offers three core financing products: Variable (revenue-based repayment fluctuating with sales, 1-6 month terms, fees typically 2-8% of funded amount), Fixed (predictable bi-weekly repayments for strategic growth-phase brands), and Rolling Cash Line (a revolving facility launched in March 2026). All products feature sales-synchronized repayment, no collateral requirements, and no personal credit checks, with funding delivered within 24 hours of approval.
The business model is fee-based lending: Onramp earns a single transparent fee (typically 2-8%) on each funded loan rather than taking equity stakes or charging compounding interest. The company serves thousands of SMB brands across supported platforms and is expanding distribution via a self-serve product-led onboarding flow, sales-assisted motion for mid-market prospects, and an ISO broker program launched June 2025. Onramp filed a Form D for a $13 million securities offering in May 2023 to support growth, and has integrated with a broad partner ecosystem spanning technology, agency, and logistics providers.
Onramp Funds firmographics
Firmographics- Name
- Onramp Funds
- Legal name
- Onramp Funds, Inc.
- Website
- https://onrampfunds.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Onramp Funds is a US-based fintech that provides revenue-based working capital to SMB eCommerce sellers, using a proprietary ML underwriting algorithm and direct integrations with Amazon, Shopify, Walmart, and other platforms to fund loans within 24 hours.
- Ownership category
- akta.pro rank
Onramp Funds industry classification
Industry- Product category
- Alternative Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Onramp Funds is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Onramp Funds business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Revenue-Based Financing (Variable): Fast capital for immediate growth opportunities targeting short-term needs like inventory, marketing, or cash cycle smoothing. Revenue-based repayment fluctuates with sales. Repaid daily, weekly, or every two weeks. Term length 1-6 months. Unsecured with one transparent fee. Fee typically between 2% and 8% of the funding amount.
- Fixed-Term Financing (Fixed): Predictable capital repayments designed for brands in a strategic growth phase. Fixed, predictable bi-weekly repayments structured around operational cadence. Targets established businesses scaling with more predictable cash flows.
- Rolling Cash Line: Revolving borrowing capacity that grows with sales. Merchants deploy capital as needed and only pay fees on deployed capital. Can access funds as soon as every two weeks. Offers choice of fixed or revenue-based repayment. Launched March 2026.
- Securities Offering: Form D SEC filing for $13 million securities offering with approximately $3.48 million already sold, scheduled to last beyond one year. Indicates institutional/fund-level capital raise separate from core lending operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Variable Funding - Revenue-based flexible capital for short-term needs |
| Transaction based/ take rate | Pay-as-you-go | Fixed Funding - Predictable repayment for scaling brands |
| Usage-based | Pay-as-you-go | Rolling Cash Line - Revolving credit that grows with sales |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
Onramp Funds product offering
Product offeringCore offering
Onramp Funds provides revenue-based working capital financing to US-based eCommerce sellers. The platform connects directly to merchants' online stores (Amazon, Shopify, Walmart, BigCommerce, WooCommerce, Squarespace, TikTok Shop, Stripe) to underwrite short-term loans based on real-time sales data, funding approved merchants in under 24 hours. Core products include Variable Financing (revenue-based flexible repayment), Fixed Financing (predictable bi-weekly terms), and Rolling Cash Line (revolving capacity).
Product overview
Onramp Funds is a revenue-based financing platform providing short-term capital solutions exclusively for eCommerce sellers. The core offering consists of three financing products: Variable Financing (revenue-based flexible repayment), Fixed Financing (predictable bi-weekly repayments), and Rolling Cash Line (revolving credit line). All products feature sales-synced repayment that adjusts to merchant cash flow, no personal credit checks, and funding within 24 hours. The platform integrates directly with major eCommerce platforms (Amazon, Shopify, Walmart, BigCommerce, WooCommerce, Squarespace, TikTok Shop) to access real-time sales data for underwriting. Onramp also offers an ISO Program for broker partners and provides educational resources through Onramp Guides.
Differentiator
Problem solved
Functional benefit
Products and services
- Variable Financing Revenue-based short-term financing with flexible repayment that fluctuates with sales, designed for immediate growth opportunities like inventory, marketing, or cash cycle smoothing. Unsecured, 1-6 month term, one transparent fee.
- Fixed Financing Fixed, predictable repayment financing for brands in strategic growth phase with terms built around operational cadence. Repaid weekly or every two weeks, 1-6 month terms, one transparent fee.
- Rolling Cash Line Revolving borrowing capacity that grows with sales, allowing merchants to deploy funds as needed and only pay fees on capital actively used. Choose fixed or revenue-based repayment structure, deployment available as soon as every two weeks.
- Working Capital Loans Unsecured working capital loans tailored for e-commerce sellers, offering fast funding, flexible repayment, and no collateral requirements.
Quantifiable outcome
- Average customer revenue growth of +60% after Onramp funding
- +3 more outcomes
Companies that use Onramp Funds
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Onramp Funds technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability3 records
Feature3 records
Onramp Funds partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core, preferred, elite, member and featured.
- ShipApecorePartnership announced December 2025 to power next generation eCommerce growth. ShipApe provides freight audit and payment solutions for mid-market and enterprise shippers.
- ISO Program PartnerscoreOnramp launched its ISO (Independent Sales Organization) Program in June 2025 to empower brokers and fuel eCommerce growth by enabling third-party referral partners to offer Onramp financing.
- SHOPLINEcorePartnership announced December 2024 providing SHOPLINE merchants in the US with quick access to Onramp's flexible financing solutions. Merchants can access working capital based on their SHOPLINE sales data.
- OrdoropreferredPartnership with Ordoro, a multi-channel inventory and shipping management platform. Enables seamless data flow for inventory-focused eCommerce sellers seeking financing.
- WebgilitypreferredPartnership announced October 2023 enabling online sellers to connect Onramp financing with Webgility's eCommerce automation and accounting integration. Webgility serves 5,000+ businesses and processes 100M+ transactions annually.
- Walmart MarketplacecoreIntegration with Walmart Marketplace enabling third-party sellers to access Onramp's eCommerce financing platform. Partnership announced June 2023.
- BrightpearleliteElite tier technology partner. Brightpearl provides omnichannel retail management (orders, inventory, financials, POS, CRM) for omnichannel brands and retailers.
- Jungle ScoutmemberAmazon product research and business management solutions provider. Supports $40B in Amazon revenue across 17 global marketplaces, serving 600,000+ customers worldwide.
- Helium 10preferredAll-in-one Amazon software tools provider and partner. Provides product research, keyword tracking, and business analytics for Amazon sellers.
- GembahfeaturedFeatured partner offering AI-enabled, data-driven new product development platform. Featured partner in Onramp's monthly partner spotlight.
- CartologypreferredAmazon-focused agency partner providing full-service Amazon strategy and management. Specializes in helping brands grow on Amazon marketplace.
- Hawke MediamemberAward-winning digital marketing consultancy and full-service agency. Headquartered in Los Angeles with 300+ employees across 40+ states. Worked with 4,000+ brands.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Onramp Funds competitors and assessment
Company assessmentDirect peers
- Wayflyer: Wayflyer provides revenue-based financing and growth capital specifically to eCommerce and DTC brands, making it one of the closest direct competitors to Onramp. Both platforms serve SMB merchants with similar short-term working capital products and same-platform integrations.
- Clearco: Clearco (formerly Clearbanc) offers revenue-based financing and growth capital to eCommerce and SaaS companies using alternative data rather than traditional credit scores. Competes head-to-head with Onramp in the eCommerce SMB RBF segment using similar underwriting philosophies.
- BlueVine: BlueVine provides working capital, lines of credit, and invoice factoring to small businesses using alternative data and online underwriting. Targets a similar SMB segment as Onramp with fast, data-driven funding decisions, though broader beyond eCommerce.
Broad incumbents
- Shopify Capital: Shopify Capital offers cash advances and loans to Shopify merchants using proprietary platform data. As the dominant eCommerce platform that Onramp integrates with, Shopify Capital represents both a distribution partner and a major captive competitor with privileged data access.
- Amazon Lending: Amazon Lending provides working capital loans to Amazon sellers, using internal sales data for underwriting. Represents a key captive financing competitor given Amazon is one of Onramp's most important integration platforms and the largest eCommerce marketplace.
- Stripe Capital: Stripe Capital extends financing to businesses using Stripe's payment processing data, targeting SMBs with capital needs based on transaction volume. Onramp integrates with Stripe for sales data ingestion, making Stripe Capital both a data partner and direct competitor in SMB working capital.
- Affirm: Affirm primarily offers BNPL to consumers but has expanded into merchant capital and working capital products. Represents a broader fintech incumbent with access to merchant transaction data and a more diversified product suite overlapping with Onramp's eCommerce capital offerings.
Regional players
- Payoneer: Payoneer provides cross-border payments and working capital solutions to SMB sellers, particularly those selling on Amazon and other marketplaces. Offers capital to similar eCommerce SMB customer base, with stronger international presence than Onramp which is US-only.
Emerging players
- Kickfurther: Kickfurther provides inventory financing to eCommerce brands through a crowdfunded model, focusing on inventory purchase financing for Amazon and Shopify sellers. Targets the same eCommerce SMB segment with a niche inventory-focused product.
- 8fig: 8fig provides growth capital and AI-powered planning tools for eCommerce sellers, offering working capital plus operational planning. Directly targets the same eCommerce SMB merchant base as Onramp with an integrated capital + planning value proposition.
Market position
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Onramp Funds social profiles
Digital presenceOnramp Funds financial estimates
Financial estimateRevenue estimate
Valuation estimate
Onramp Funds leadership team
Management profileNumber of profiles
Profiles9 records
Onramp Funds funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Onramp Funds M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Onramp Funds
What does Onramp Funds do?
Onramp Funds provides revenue-based working capital financing to US-based eCommerce sellers. The platform connects directly to merchants' online stores (Amazon, Shopify, Walmart, BigCommerce, WooCommerce, Squarespace, TikTok Shop, Stripe) to underwrite short-term loans based on real-time sales data, funding approved merchants in under 24 hours. Core products include Variable Financing (revenue-based flexible repayment), Fixed Financing (predictable bi-weekly terms), and Rolling Cash Line (revolving capacity).
Is Onramp Funds a public or private company?
Onramp Funds is a private company. It is classified as venture growth investor backed and is currently operating.
When was Onramp Funds founded?
Onramp Funds was founded in 2020. It employs 11 to 50 people.
Where is Onramp Funds based?
Onramp Funds is headquartered in Austin, United States, in the North America region.
How does Onramp Funds make money?
Four revenue lines are on record. Revenue-Based Financing (Variable) is the primary driver. The others are fixed-Term Financing (Fixed), rolling Cash Line and securities Offering.
Who are Onramp Funds's main competitors?
Direct peers on record are Wayflyer, Clearco and BlueVine. Broad incumbents are Shopify Capital, Amazon Lending, Stripe Capital and Affirm. Payoneer is listed as a regional player. Emerging players are Kickfurther and 8fig.
Does Onramp Funds have an API?
No public API is recorded for Onramp Funds.
What industry is Onramp Funds in?
Onramp Funds's product category is Alternative Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52222 and its SIC code is 6153.