Onramp Funds Reviews 203

thorough, straight to the point without fluff.

Date of experience: June 16, 2025

We recently applied for a loan with this company. Our business is averaging $50K in monthly revenue and has been operating for 7 months. As requested, we provided 3 months of bank statements and connected our Shopify and WooCommerce accounts to verify our income. The representative handling our account even mentioned they were impressed with our performance.

After submitting all the information, we were pre-approved for $74,000. However, the application was later denied because our business was considered "too new.", but they "support" startups, make it make sense. This is confusing, if the time in business was a deciding factor, why would we be pre-approved in the first place? It seems the time in business should have been verified at the beginning, not after all documents were submitted and a pre-approval was extended.

If the company actually requires a longer time in business, that should be clearly communicated upfront. Otherwise, the process feels misleading and can waste valuable time for applicants.

I hope the company reconsiders how they present their requirements and pre-approval process to make it more transparent and fair for future applicants.

Date of experience: June 25, 2025

Andrew was amazing and went above and beyond to help me get the funds I needed. Easy process, great customer service.

Date of experience: June 20, 2025

Onramp’s ISO program is a game-changer. Their tech-driven underwriting and seller-first mentality makes it easy to present a compelling offer. It’s exactly what many of our clients have been waiting for.

Date of experience: June 19, 2025

Very Helpful and convenient.

Date of experience: May 28, 2025

Easy process, great communication

Date of experience: May 16, 2025

You know what you're getting and staff is very helpful.

Date of experience: May 13, 2025

Onramp helps us with inventory acquisition over time. They really help us out!

Date of experience: May 02, 2025

Absolutely great experience with Onramp Funds onboarding. The team was incredibly supportive, especially Brandon. We got approved for our first funding within a week, with flexible offers and repayment plans. Highly recommend!

Date of experience: April 21, 2025

Quick funds when we really needed them! Super pumped on the terms for what we got. Also you get to speak with an actual HUMAN. Highly recommend. High touch financing service, I will do anything I can to direct all my business to them from here forward.

Date of experience: April 18, 2025

Fast funding and clear re-payment terms. I asked the same questions 10 different ways and was always met with prompt and courteous responses through texts and over the phone!

Date of experience: April 04, 2025

Date of experience: March 06, 2025

Great and seamless process with an amazing team of people working for them. My sales guy Noah was top tier and made the offer irresistible. Amazing offers, along with continued support is what will sustain our long term partnership. 👍🏾

Date of experience: March 12, 2025

I’ve had a fantastic experience working with Andrew from Onramp. He has been incredibly helpful throughout the loan process, providing clear guidance, timely updates, and excellent customer service. Andrew took the time to understand my needs and ensured that everything was handled efficiently. His professionalism and dedication made the entire process stress-free and smooth. If you're looking for a reliable and supportive loan expert, Andrew is the person to go to. Highly recommend!

Date of experience: March 06, 2025

Great Service by Onramp

Date of experience: March 06, 2025

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.

Date of experience: February 19, 2025

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.

Date of experience: February 12, 2025

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.

Date of experience: February 05, 2025

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!

Date of experience: February 11, 2025

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.

Date of experience: August 05, 2024