Onramp Funds Inc, an innovative fintech that supports the growth of SMB eCommerce businesses, has partnered with Margus Capital Inc, a unique institutional credit capital provider focused on newer creators of assets. The key element of the partnership is Margus providing a recurring, scalable source of capital that Onramp will deploy through its existing working capital products for eCommerce businesses.

Onramp now has increased funding capacity, allowing the fintech company to extend larger advances, fund a higher volume of online merchants, and expand eligibility to additional eCommerce segments. The partnership reflects continued momentum for Onramp as it scales its capital base to meet growing merchant demand across Amazon, Shopify, Walmart, and other eCommerce shopping carts, marketplaces, and additional sales channels.

"The facility Onramp has built with Margus means eCommerce businesses get larger and faster advances, with fewer barriers,” said Eric S. Youngstrom, Onramp’s CEO and Founder. “That’s exactly the kind of impact Onramp is here to create for our business customers. Onramp exists to put working capital where it belongs – in the hands of eCommerce operators."

Benefits for Onramp’s Customers
For eCommerce sellers, the Margus partnership directly translates into a better, more accessible working capital product:

Expanding borrowing capacity: Merchants with significant inventory investment, working capital, or multi-channel operations can now access the additional capital they need to drive their businesses.

Longer funding terms: The expanded facility supports expanded durations that are better-aligned with longer inventory cycles and seasonal sales patterns. Eligible customers can now access loan terms up to 18 months.

Faster funding: Backed by a strong capital base, Onramp will further accelerate underwriting decisions with greater confidence in its ability to fund approved online merchants.

Broader eligibility: Onramp’s working capital products can now support additional SMB segments and marketplaces.

Continued access to founder-friendly capital: Onramp's products remain structured where owners and operators keep full ownership of their businesses. 

The partnership diversifies development at scale through a structure that provides predictable, recurring origination volume rather than one-off transactions.

“Onramp has built differentiated products that target the capital needs of their online merchant-base where they need it most,” said Gene Ostrovsky, Margus Capital’s CEO and Founder. “Onramp’s delivery is fast and thorough, with exceptional infrastructure. We’re excited to partner on Onramp’s product journey, and look forward to helping them deliver commercial capital products to SMBs.”

The Onramp / Margus partnership comes at a time of accelerating demand for eCommerce working capital, as businesses increasingly require fast, flexible funding to manage inventory cycles, advertising spend, and multi-channel growth.