Loans at the speed of eCommerce
Get the Small Business Loan You Need. Fast.
Up to $2 million in funding in less than 24 hours.
- Approvals in 4 hours
- Funding in less than 24 hours
- No limits on use
Why Choose Onramp for Your Small Business?
We’re built for fast-moving small businesses that need capital without the red tape.
Fast Funding
Get funds in as little as 24 hours
No Equity Required
Keep full ownership of your business
Flexible Terms
Tailored to your cash flow and seasonality
Real People, Real Support
We’re with you every step of the way
From inventory to expansion, we fund your future.
Getting funded is easy. Apply in minutes.
Apply Online
Fill out our online form in only a few minutes. No paperwork, no stress.
Get an Offer
We’ll review your business and get back to you with a funding offer in just a few hours.
Receive Funds
Once approved, funds land in your account as soon as the next day. Use them however your business needs.
Who we
fund
Want to speak to one of our funding experts? Let’s talk.
We support a wide range of small businesses, including:
- Retail & storefront businesses
- Health & wellness practices
- Construction & trades
- Professional services
- Restaurants & food service
- And more!
Trusted by thousands of merchants
Frequently asked questions
What can I use the loan for?
Our funding is designed to be flexible. Whether you're looking to invest in inventory, cover payroll, launch a marketing campaign, renovate your space, bridge a seasonal gap, or simply strengthen your cash flow — we’ve got you covered.
How much can I borrow, and what are the terms?
We offer loans up to $2 million. Terms are tailored to your business needs and cash flow, and repayment is typically structured in installments with transparent pricing. No hidden fees or surprises.
Do I need perfect credit to qualify?
Not at all. While we do check credit, your business performance and revenue are the most important factors. We’re here for growing businesses, not just those with spotless credit histories.
How fast can I get funding?
Many of our customers receive funds within 24 hours of approval. The application only takes a few minutes, and our underwriting team moves quickly to get you what you need.
Will applying hurt my credit?
No. There’s no hard credit pull when you apply to see your loan options. A soft check helps us understand your business profile without affecting your score.
What documents do I need to apply?
All you need is some basic business info and access to your business bank account for revenue verification. No mountains of paperwork or tax returns required.
Can I pay the loan back early?
Yes, and there’s no prepayment penalty.
What types of businesses do you work with?
We fund a wide variety of small businesses, from local shops to wholesalers and online sellers. Whether you're a contractor, manufacturer, restaurant operator, or creative professional - we'd love to be able to help you with your funding needs!
Who is Onramp?
Onramp has helped thousands of small businesses access fast, non-dilutive capital. We were built for business owners who need speed, flexibility, and real partnership.
Have a different question? Get in touch with us:
business@onrampfunds.com