Onramp FundsReviews of onrampfunds.com

On ramp is the best service for funding! They are quick and stick with their word. Very helpful at my time of need. Thank you to the team for your help!!

Genuinely helpful and supportive to me and my business. Gave me a loan when nobody else would. Fair price. Clear process. Tell them Cam D referred you if you decide to go with them. If you want to ask a current client about my experience dm me on ig @camdezzzz

Honestly Andrew and the whole Onramp team have been nothing but a blessing to me and my business . Literally saved me in my time of need , worked with me to help me scale my business and have met all my needs ! I couldn’t be more grateful!

On ramp has been a great resource for my growing business and helping procure holiday inventory. The team is helpful and solution oriented. I’ve enjoyed working with them.

Completly invasive and extensive application process. They do not tell you the extent of credit, background, etc checks done and is beyond any process for Ecommerce I have ever seen. They will also send several emails and call like a scammer from sun up to sun down.

The company is misleading and makes you think you have a solid offer and credit line when you do not. The tech side of the application process is very arduous and time consuming. It is not worth it for the service you receive afterwards. I own a shop a phi store and most of the time I can give third parties, like lenders, access to my store to review the sales with only two clicks. With OnRamp you need to manually cut and paste three API keys from Shopify into their system in order for them to even consider a loan. One of the API keys is only revealed once for security reasons. So if you miss recording it, you have no chance of getting access to it again. On-ramp knows how difficult the process is and calls you as soon as you start applying to walk you through it. I did not expect to be doing a tech-support call when I applied for a loan. When that part was finally over I finished the loan application. I received 20 emails in my mailbox saying that I have been approved, my account was set up, and I had a credit line of $81,000. I expected to hear about funding the next day. Crickets. After bombarding me with communications in the beginning, on-ramp suddenly went silent. I called them to see what the loan status was. The rep told me that the team was still considering proposals. He called me back later and said that because I had a merchant loan with Delta Bridge, a predatory lender, they could not deal with me. Delta Bridge is on their blacklist.They knew that I had an outstanding loan when I started the application process. In fact one of the things I wanted to do was payoff the other loans. They told me that on-ramp would be the only lender I needed. I was told that they could not work with me. I wish I have been given the guidelines before I had wasted my time. Also, it is one thing to decline a loan application, but it is another thing to tell someone they have an $81,000 credit line and set up a payment account with them and then tell them you can’t work with them afterwards.

I'm torn about Onramp. They lended us cash when we needed it, so that's the big plus, obviously. And everyone was nice enough. However, the process was a little grueling. Many emails, multiple phone calls about finances, etc. Additionally, they charged us 1.8% of sales, not the 1% advertised on their website. That ended up being almost an 8% cost for only 3 months of lending the funds, which is super high IMHO. We only took it because it was our best option at the time, but personally, I would only use Onramp as a last resort. You're much better off using Amazon Lending or a line of credit with a fixed APR %, rather than paying a fixed % of sales. Solutions like those are much less of a headache, and you'll pay a lot less in fees/interest.

I received personalized service from Onramp. Onramp understands the needs of E-commerce businesses. The process was simple and went as they stated. Most lenders I have dealt with as a new e-commerce business requested tons of documentation and led me to believe my application was in underwriting. Still, it never was because of criteria they failed to disclose. I would recommend them to anyone struggling with the pay cycle of online marketplaces. The Healthcare Navigator