Kickfurther vs Onramp Funds (2026): Fees, APR and Terms Compared
Short answer: Compare cost and size first. Kickfurther: 5% funding fee (as low as 2% with strong repayment history) + monthly consignment fee from about 2.2%; $20,000 to $5M+ per deal; up to 100% of inventory cost. Onramp Funds: Flat fee, 9% in Onramp's examples (site also says 2% to 8%); about 64% to 75% APR (Lender List est.); $10K to $2M. The table and profiles below show who each one suits. Figures come from our full reviews of Kickfurther and Onramp Funds.
Kickfurther vs Onramp Funds at a glance
| Kickfurther | Onramp Funds | |
|---|---|---|
| Lender type | Inventory funding marketplace (consignment, not a loan) | Direct lender (revenue-based financing) via affiliate eCommerce Funding, LLC |
| Products | Inventory and purchase order funding through Co-Ops | Variable, Fixed, Rolling Cash Line |
| Amounts | $20,000 to $5M+ per deal; up to 100% of inventory cost | $10K to $2M |
| Cost | 5% funding fee (as low as 2% with strong repayment history) + monthly consignment fee from about 2.2% | Flat fee, 9% in Onramp's examples (site also says 2% to 8%); about 64% to 75% APR (Lender List est.) |
| Term | 1 to 10 months | 1 to 12 months |
| Funding speed | Approval in about 72 hours; live deals usually fund within days | Offer in about 2 hours; funds in under 24 hours to 2 business days |
| Founded | 2014, in Boulder, Colorado | 2020 |
| HQ | Buffalo, New York | Austin, Texas |
| Status | Active (checked 2026-10-26) | Active (terms of use updated October 8, 2026) |
Choose Kickfurther if
Best for: U.S. consumer-product brands with $400K+ in trailing 12-month revenue (or $200K plus major-retailer purchase orders) that need a production run paid for and would rather repay from sell-through than carry a fixed loan payment.
Choose Onramp Funds if
Best for: U.S. e-commerce brands with 6+ months of sales history and $10K+ in monthly sales on Amazon, Shopify, Walmart or a similar platform that need inventory cash within a day or two and want payments that track sales, with no personal credit check to see an offer.
Who should skip each
- Kickfurther is not for: Service, software or digital businesses, brands below the revenue bar, or anyone who needs cheap money. Our six-month example lands near 48% APR, and early payoff earns no discount.
- Onramp Funds is not for: Sellers under $10K a month, businesses without an online store, or anyone who wants a published price and APR before applying. On short terms the flat fee annualizes to well above bank or SBA pricing.
Lender List verdict
Kickfurther: Kickfurther covers up to 100% of an inventory order, and repayments don't start until the goods arrive (the funding fee is charged at draw). The trade-off is cost and process: a monthly consignment fee on top, regular sales reports to backers, and fixed fees for late paperwork. Onramp Funds: Onramp Funds is a practical fit for inventory-heavy sellers who value flexibility in slow months: on its Variable option, payments shrink when sales do and the fee stays fixed. The cost is steep once annualized: a 9% fee repaid over about 12 weeks works out to roughly 75% APR.
Frequently asked questions
Which is cheaper, Kickfurther or Onramp Funds? Kickfurther: 5% funding fee (as low as 2% with strong repayment history) + monthly consignment fee from about 2.2%. Onramp Funds: Flat fee, 9% in Onramp's examples (site also says 2% to 8%); about 64% to 75% APR (Lender List est.). Your actual cost depends on the offer and how fast you repay, so convert any quote with our factor rate to APR calculator. Which funds faster, Kickfurther or Onramp Funds? Kickfurther: Approval in about 72 hours; live deals usually fund within days. Onramp Funds: Offer in about 2 hours; funds in under 24 hours to 2 business days. How much can I get from Kickfurther or Onramp Funds? Kickfurther: $20,000 to $5M+ per deal; up to 100% of inventory cost. Onramp Funds: $10K to $2M. Read the full reviews: Kickfurther review · Onramp Funds review. Figures come from those reviews, which cite the lenders' own pages and third-party sources; see our methodology. Updated 2026-10-27. Pricing varies by offer; confirm with the lender before applying.