Onramp Funds is an Austin‑based fintech company redefining growth financing for e‑commerce businesses. Founded with deep expertise in e‑commerce, finance, and technology, the firm offers rapid, revenue‑sync’d funding—delivering up to $2 million in as little as 24 hours—without requiring equity or personal credit checks.
Tailored to the cash‑flow needs of digital sellers on platforms like Shopify, Amazon, and Walmart, their financing is structured with transparent flat fees and repayment tied directly to sales performance. With over 3,000 loans disbursed and average merchant sales growth of 60–73% within six months, Onramp combines speed, flexibility, and personalized, Austin‑based support to help online brands scale confidently .
Onramp faced a critical challenge that threatened to limit their growth: the time-intensive and inconsistent process of evaluating merchant applications. With over 3,000 loans already powered and a growing pipeline of e-commerce sellers seeking funding, Onramp needed a solution that could accelerate their due diligence process while maintaining the rigorous standards required for responsible lending.
By partnering with BotDojo, Onramp developed an innovative AI-powered merchant evaluation agent that turned their underwriting process from a manual, time-intensive procedure into an automated, comprehensive analysis completed in minutes. This breakthrough not only accelerated their loan approval process but also enhanced the quality and consistency of their risk assessments, enabling Onramp to scale their operations while maintaining their commitment to supporting legitimate, growing e-commerce businesses.
Onramp Funds selected BotDojo after evaluating multiple AI platforms and finding that most solutions required extensive technical expertise or couldn't handle the complex, multi-source research required for comprehensive merchant evaluation. BotDojo's no-code agent builder and proven track record in building reliable research automation tools made it the ideal partner for this critical business process.
"We needed a platform that could understand the nuanced requirements of e-commerce due diligence," explained Onramp's CEO Eric Youngstrom. "BotDojo's ability to create sophisticated research agents without requiring our team to become AI experts was exactly what we needed. The platform's built-in evaluation framework gave us confidence that our AI agent would maintain the accuracy and reliability our lending decisions require."
Several factors made BotDojo the clear choice for Onramp Funds:
BotDojo worked with Onramp Funds to create an intelligent evaluation system that could match the thoroughness of their manual due diligence process while delivering results in minutes rather than hours.
The solution was designed around Onramp's existing workflow, requiring minimal information to get started:
BotDojo automatically gathers information from multiple sources across the web, analyzing the same types of data that Onramp's analysts previously researched manually. This includes company websites, customer review platforms, marketplace listings, and public business records.
The system evaluates merchants across the key areas that matter most for lending decisions:
Business Verification: Confirms the legitimacy and operational status of the merchant, ensuring they represent a real, active business rather than a fraudulent entity.
Product and Compliance Review: Analyzes the merchant's product catalog to identify any items that could create regulatory or reputational risks, helping Onramp avoid problematic lending relationships.
Reputation Analysis: Examines customer feedback and public sentiment to gauge the merchant's service quality and likelihood of continued success.
Background Research: When controller information is available, conducts appropriate background verification to identify any concerning history or risk factors.
Financial and Operational Health: Assesses indicators of business stability and growth potential that inform lending decisions.
Every evaluation produces a standardized report that includes:
Clear Recommendations: Each assessment concludes with a straightforward verdict (Pass/Needs Review/Fail) that enables quick decision-making while ensuring complex cases receive appropriate human attention.
Risk Summary: Key findings are highlighted and categorized, allowing risk managers to quickly understand the most important factors affecting each lending decision.
Supporting Evidence: All conclusions are backed by specific findings and source references, enabling human reviewers to verify and build upon the automated analysis.
Confidence Indicators: The system provides transparency about the certainty of its assessments, helping prioritize cases for additional review when needed.
This approach ensures that every merchant receives the same thorough evaluation while giving Onramp's team the information they need to make informed, confident lending decisions.
The implementation of BotDojo's merchant evaluation agent delivered transformative results for Onramp Funds, fundamentally changing their ability to scale operations while maintaining rigorous due diligence standards.
"The BotDojo merchant evaluation agent has been a game-changer for our operations," noted Onramp’s CEO Eric Youngstrom. "We're now able to provide the fast, reliable service our e-commerce customers expect while maintaining the thorough due diligence that protects our business. It's enabled us to scale our operations without sacrificing the quality that differentiates us in the market."
The success of this implementation has positioned Onramp Funds to continue their rapid growth while maintaining their reputation for responsible lending and exceptional customer service in the competitive e-commerce financing market.
