Onramp Funds Reviews 

Onramp has been instrumental in funding the growth of our business. Tina is always a pleasure to work with. Funding is prompt and repayment terms are good. They are invested in our growth and have a wealth of resources to help us meet our goals.

Fantastic onboarding and explanation of process. Brandon was very helpful and they accommodated for my business needs, understanding where I am in my e-commerce journey and tailoring lending to meet my needs.

Onramp is an amazing Fund company/ Partner. Noah was the gentlemen that help me with the process of getting funded. He made the process very easy & smooth. Highly Recommend this amazing company! Make sure you are an experience Amazon Seller!

Everyone I spoke to through this process was helpful and being new to on ramp I have high hopes for the great customer service to continue
So far so awesome!!

OnRamp is such an encouraging service to our business! They walked us through targets to shoot for as our business started growing, and continue to support us with initial funding! You can't go wrong working with them :)

Mike Manni Was awesome he helped me every step of the process and responded promptly and quickly. He was really nice and informative.

There are several reviews here on Trustpilot that allude to Onramp Funds' invasive application process, misleading tiers and requirements, and flip-flopping on credit line amounts. I gave them a try anyway and can confirm many of those issues are real, rather than isolated occurrences.

The first red flag is the way they collect your data - instead of using a professional data collection app, Onramp hands you a guide on how to create the app on your store manually. This process doesn't take long, but my particular concern is the perceived lack of security regarding the data provided, and the potential of that data being shared without my knowledge. Most Shopify apps have an option to request data deletion and ostensibly, have some security regarding the sharing of your store data. None of that here.

Once your store is connected, Onramp ushers you into providing sensitive personal information very quickly. Within just a few moments, you'll have a bank account connected and a series of emails confirming your approved credit line as shown in the dashboard.

A few hours later you'll receive a call from Molly saying Onramp "can't offer you any funds today" due to you having an existing loan, which was disclosed fairly early in the application process and they approved you already knowing this. Next you'll be offered a sign-up with their "partner", Boundless AI which is a white-label platform for third-party lenders to potentially invest in your store.

Naturally, this entire process invites a slew of questions regarding the legitimacy of Onramp Funds and the financial products they claim to offer. As another reviewer wrote, it is one thing to decline a loan application, but it is another thing to tell someone they have a 5 figure credit line, set up a payment account with them, and then tell them you can’t work with them at all.

I suspect Onramp Funds primary goal is to profit from you either by selling your information or to make a commission off of you. Clearly there is a plan to monetize leads that don't meet their lending requirements, which while in itself isn't a problem, does become an issue when you add the context of Onramp's hidden requirements.

If you don't meet their advertised requirements, they offer a three-stage launchpad program with a 33% repayment rate - hardly competitive with Shopify Capital and other options. This is likely their way of prospecting for ecommerce startups that are profitable enough to handle afford the usurious rates of their main program. If you "qualify" for the main program, but have an existing loan with rates that they don't want to compete with, they reject you at the last step.

My first experience with Onramp was through their launchpad. I instead took a Shopify Capital loan, grew my sales by 3.5x, and I applied to Onramp again about a month later only to find their main program to be a potentially fictitious.

The lack of transparency, invasive data collection and thinly-veiled backend profit funnel make Onramp Funds a difficult business to deal with. I humbly suggest you look elsewhere and avoid the disappointment and time expenditure.

Noah was very helpful in our meeting. The funds came fast and I look forward to scaling with on-ramp.

Andrew Gabbard is an absolute wealth of knowledge. He has helped my company scale by giving me realistic advice and funding to help push My business to the next level. By far the best lending partner in the business

Told one thing by one rep only to be told something completely opposite by another rep. Misled by this company and probably will not do business with them again.

Onramp funds was there when I needed it. They are knowledgeable and friendly. Will definitely do business with them again.

Thursday 6:37pm, two rings and he picks up the phone.

We're in a rush.

We need the funds.

Now, Onramp is in a rush.

No excuse, no issues.

Over the past several months I've had the pleasure of working with Andrew Gabbard over at Onramp. Andrew, I believe, is a accurate representation of what you get when you decide to work with their team.

He's been on both sides. Creating a company, shipping products, solving problems. And Funding them. He knows what it is like.

Our first conversation was about bringing up the numbers.

They promised after some time, some history, they would.

As time pasted, without prompt, the numbers went up and the interest went down.

Also, without asking or prompting, Andrew was shopping online at my store. I noticed his name popped up. Paid in full ~

As good businessmen, they understand that they are incentivized to see you win. All things are aligned.

When you need some capital, I recommend taking a look at Onramp.

They worked with me when I was just starting out, and are working with me now that we've started to make millions.

They never hassle, are prompt to reply, and seem to genuinely enjoy the work they do.

I would be hard pressed to imagine anyone giving them a bad review.

For you, the reader, on the fence - I hope you give them a moment of your time to check them out for yourself.

I am so glad i chose Onramp for my business funding for working capital. Onramp has a multiple creative ways of helping small business, base of their financial status. and the turnaround for approval is very fast.
Thank you Onramp, and thanks to Mike my representative for making this happen. Thanks.

Told me that if I made more than $7500 a month I would be in the core program, I make over 10k a month and they told me I had to be in the launchpad program which has a higher interest rate and payback rate. On top of that they didn't give me a reason other than, it's complicated and the "algorithm" does everything.

I Don't know where to start. At first I was scared but when I say Andrew made me feel so comfortable and explained everything to me detailed. I loved the access to communicate with them whenever I need. Also all the resources they offer to help small businesses like myself. 10/10 service! Also used there funding plenty of times and they also have the best rates!

Was easy to get a loan based on our Shopify sales and they only take a percentage of sales to pay back loan so in slow times you pay less. Paid our loan off quickly and now we have the full amount available again if we need it.

Very trustworthy company.

They have worked with me to help me scale my AMZ business, there are a few steps before receiving your first cash advance, but it's so great having a team that you can call during business days and speak to a real person to help walk you through the process.

Great service. Thank you for the smooth experience.