Onramp Funds Reviews 

Great Service by Onramp

Funding was quick once approved, but approval took some time. Onramp's due diligence process was extensive but appropriate. They have a good team that seems to care about clients.

Onramp found a way to fund me when I thought it was impossible. Their systems and methods are the best in the business and I have had experience with many different funders in the past. None comes close to the professionalism, support and tools they offer. Their flexible percentage based paybacks are off the charts and make it all an incredibly smooth experience that feels nothing like the MCAs out there that don't really care about your business. Five stars since there's no more stars to give.

This company made my process with them easy and smooth. The communication was 10/10. I would recommend Onramp to everyone looking for transparency and honesty, as well as real help with their business. They are helping me grow in my e-commerce business, unlike 8Fig. 8Fig lies in the ads that say they will help me, and then when you apply, they don’t approve your application. Onramp is here to support your business and actually help you grow.

So far, I have had a great experience working with Onramp for my business funding needs. The process has been incredibly seamless, making it easy for me to secure the funds that I need to expand my product line. They are very supportive and available to answer any questions I have had. I really appreciate how easy they are to work with. Everything has been very straightforward. I recommend them to any business owner, looking for reliable and stress-free funding!

02/14/2025 ON RAMP FLAGGED AND REMOVED MY PRIOR REVIEW, COMPLETE LACK OF TRANSPARENCY!!! I AM REPOSTING TO WARN BUSINESS OWNERS!!!

FIRST and FOREMOST My experience and others that have left similar negative reviews about OnRamp Funds, is that OnRamp does not care about building relationships or helping a business.

If I could give this company negative stars I would. This so called "business lender" or "eCommerce lender" preys upon small businesses and small business owners seeking to acheive their dream by charging sky-high interest rates that many businesses (as the reviews indicate) cannot ever fully repay.

OnRamp Funds/E Commerce Lending lures you in with promises of "fast and easy funding" but they conveniently bury the real cost of their loans in fine print-only for you to realize later that you may have signed your entire business away to OnRamp Funds/E Commerce Lending.

THINK ABOUT THIS BUSINESS OWNERS:

ONRAMP FUNDS is located in Austin, Texas. OnRamp is a Delaware Corporation. E Commerce Funding LLC is the main entity referenced in the so called loan or lending agreement and is a Nevada LLC. This is the truth.

OnRamp Funds is NOT accredited by the Better Business Bureau. This should alarm anyone seeking their services.

The so called loan or lending agreement will specifically state the following:

THIS AGREEMENT IS SUBJECT TO AND GOVERNED UNDER THE LAWS AND RULES OF THE STATE OF NEVADA!

HERE IS WHERE IT GETS INTERESTING:

ALL LITIGATION AND CLAIMS OR DISPUTES ARE REQUIRED TO BE HEARD OR FILED IN STATE OR FEDERAL COURT IN TRAVIS COUNTY (Austin) TEXAS.

What honest company would need to be located in Texas, yet require the terms of the so called loan agreement be subject to the laws of The State of Nevada?

If you buy a car in Texas from a legitimate auto dealer, the loan documents do not seek to enforce laws that are only favorable to the auto dealer or lender from a completely DIFFERENT State.

Why would E-commerce Funding LLC/OnRamp Funds, located in Texas NOT make the so called loan agreement subject to laws of The State of Texas?

Is it because Texas law makes it an even playing field and Nevada makes it all in favor of E Commerce Funding LLC/ On Ramp Funds?

When you sign the so called loan agreement you will also waive your right to trial by a jury, jurisdictional rights and many other constitutional rights.

E Commerce Funding LLC/OnRamp Funds is currently suing SEVERAL small business owners, you guessed it in Travis County, Texas. Please search the Travis County Court Records and you will see.

Be concerned, this could be you or your business if you fall behind on payments, no matter how many payments you may have made to On Ramp Funds, Inc.

If you peruse through the so called agreement, you will notice that the actual "lender" or money prvider is E COMMERCE FUNDING LLC, OnRamp Funds is listed as an AFFILIATE. Why is OnRamp Funds listed as an affiflaite? OnRamp Funds on its website claims to be the so called lender or funds provider.

Why is OnRamp Funds, Inc. appearing to hide the existence of E Commerce Lending, LLC.?

They cannot nor will they deny this, they will just omit this fact.

The typical reply from OnRamp Funds to nearly every complaint and I am sure to this complaint will be, "The customer or business owner did not make timely payments", or "we tried reaching out to the business owner and the business owner never responded."

In most cases the businesses in the reviews indicate that the businesses made significant payments towards the amount owed, exorbitant interest rates and fees charged by OnRamp Funds.

The business has a bad month or two and OnRamp Funds swoops in and crushes the business by instructing its debt collector to send UCC Lien notices to each and every platform or payment provider available, Pay Pal, Amazon, Stripe, etc., threatening to sue the above referenced platforms if they release any funds to the business on the notice.

The notice instructs the platforms to hold funds for the benefit of OnRamp Funds, Inc under threat of legal action.

The business must satisfy every cent or condition claimed in the UCC Lien Notice by OnRamp Funds according to the notice.

All monies of the business held in the various payment platforms are frozen and held pending full payment to OnRamp Funds.

OnRamp Funds will assess all collections fees, default fees, late fees, interest fees, any fee associated with the so called agreement is also held or "frozen" for sole benefit of OnRamp Funds.

The subject business has no say in this. I find this to be reprehensible and unfair.

I hope anyone reading this review will give pause prior to entering into any agreement with OnRamp.

My experience is that OnRamp will not help you or work with you, which could result in the loss of your business and your hard work towards your dreams.

Perfect lender if you are looking quick cash. This is honest review, fee is little high but okey if you make money out of it. Highly recommend!!

In a world where personal attention often feels like a thing of the past, Onramp has been an absolute lifeline for us. Amidst chatbots and impersonal lenders, Onramp stands out with its genuine care and unwavering support. When our business needed funds urgently for inventory, Onramp didn't just provide financial assistance—they showed up in person, knowing us by name and understanding our business inside out.

This isn’t just a transaction; it’s a relationship built on mutual trust and respect. We know their names, and they know ours. They call us on the phone—not just to check a box, but to check in. Their dedication goes beyond business hours; they've been there for us at critical moments, even during the hectic holiday season when others were closing shop.

As a small business striving to make our mark, Onramp has been more than a financial partner; they've become integral to our survival and growth. We couldn’t be more grateful for their personalized approach, their belief in us, and their commitment to our success. Onramp isn’t just a lender; they’re a trusted ally in our journey.

Mike was fantastic -- kind, fun, helpful, and very proactive and quick to call and be in touch at every step. Really appreciated his personal approach!

Extremely responsive and helpful. Great lending options with favorable rates. Support after initial set-up is excellent.

Working with OnRamp Funds has been a breeze. We have been able to quickly receive the funding we need when we need it. The team at Onramp is easy to work with and they take a personal interest in the needs of my small business. Molly and Tina have been wonderful.

We had a great overall experience and received the funds we needed quickly!

Ease of getting funds for new businesses that are less than a year old. Looked around for multiple options and was denied everywhere other than onramp!

Had a very good experience so far. Molly was able to help with the on boarding and get us set up very fast. She was very informative and made sure I understood the process. 5 star rating!

I borrowed 50 k from this scam company thru Amazon and they were not to take any payments during the time we were Not paid by Amazon They attempted and took payments when we did not receive any payments from Amazon. I had to file bankrupcy to get away from them with there 30 k collection fee for one email sent this is the biggest scam company in America they would not work with me all they did was attmept to take all of my Amazon Account and Shopify Money with there UCC-1. If I could add a photo it would clearly show your 30k collection fee sent to Amazon see you in Court

STAY AWARE
JODI D

Stay away from this scam company, they promote “no late fees”, but the moment you don’t receive a disbursement from Amazon they will hit you with %30 extra fee. They stole $6000 extra in “fees” from my Account just for not receiving my disbursement, that was totally out of my hands and I emailed them regarding the issue, but then they hired an attorney anyway to freeze my Amazon account for months despite I was cooperative to help them retrieve their money from my Amazon. Their actions turned my life and income upside down.

OnRamp claims to help by giving you the highest loan possible, but in reality, they don't factor in the huge fees you're already paying to Amazon. When they approve you for a loan, they base it on your gross sales from Amazon, which sounds great at first. But here's the hard truth: They expect you to pay back that loan in just 4-6 weeks, which means you’re on a fast track to return a large chunk of money in a very short time.

The problem is, Amazon takes 40-50% in fees, so that $40k in sales you made looks great on paper, but after Amazon's cut, you're left with about $20k—or even less, depending on your costs. OnRamp doesn’t seem to take that into account, and their repayment schedule doesn’t give you the breathing room you need to manage those fees. Instead of a partner helping you grow, it feels like they’re just speeding up your repayment with no real consideration for the massive slice Amazon is already taking out of your earnings.

At the end of the day, it’s like you're running a business on a treadmill: you're constantly working to make sales, but it's hard to get ahead when everyone’s taking their cut, and OnRamp is just another piece of that puzzle, pushing you to pay back quickly when it’s the hardest time to do so. You might be better off using a credit card or looking for a more flexible loan that actually understands the cost structure of running an Amazon FBA business.

Great company to work with for your capital needs! Very happy with Onramp so far! Got me approved quickly and in a super easy way. Recommend for E-Commerce companies who need capital quick.

They were very easy to work with and quick to fund.

Such a friendly, innovative group of people over at Onramp. Fast processing. I like the plan they have in place to be a source of continual capital to grow my business.