Apply online in minutes
Receive funding in as fast as 24 hours
Get help from dedicated Loan Specialists


Get to Know Our Small Business Solutions

Terms Loans up to $250,000

  • 6-24 month terms
    Short- and long-term payback

  • No Origination Fee
    Upfront and transparent costs

Grow and Invest in Your Business.
Fund projects and purchases that drive your business forward.

You could:
  • Purchase and profit from a bulk inventory deal
  • Invest in your online presence
  • Finally open that new location you've been eyeing

Lines of Credit up to $50,000

  • Flexible Revolving Lines
    Only pay interest on what you draw

  • Monthly Maintenance Fee
    $20/month, waived with $5,000 initial draw¹

Keep Your Business Running Smoothly.
Manage your working capital needs, both planned and unplanned.

You could:
  • Take advantage of purchase opportunities
  • Be ready for unexpected opportunities or costs
  • Fund purchases you can't put on your credit card

¹Fee is waived for 6 months, $5,000 initial draw must be within 5 days of opening account

Read what our customers say about us on Trustpilot



Do You Qualify?

OnDeck reviews applications from business owners with at least 1 year in business or more.

Your business should earn a minimum of $100,000 gross annual revenue. 

OnDeck serves over 700 industries.

Just in case, here is a list of the few industries we cannot currently serve.

Minimum requirements to apply: Many of our financing options require a minimum of 1 year in business and $100,000 in gross annual revenue. OnDeck serves over 700 industries, so it’s likely that we’re able to work with you. 
Just in case, here is a list of the few industries we can’t serve.

Ready to Unlock Opportunity?

Apply Now

The OnDeck Advantage®: Benefits for Your Business.

We've learned a thing or two by working with more than 70,000 business owners just like you. With OnDeck, you don't just get money in your pocket, you also get credit resources, renewal benefits and, best of all, peace of mind.

Easy Application, Fast Funding

Apply through our secure platform, get approved as quickly as within a few hours, and see money in the bank in as fast as one business day

Two Guys Autobody business loans
“OnDeck’s process was very streamlined. I called them up, told them what I wanted to do, filled out some paper work, and within a couple days I had the money deposited in my bank account. I highly recommend OnDeck to any small business looking to grow. It has been very good for us — my business has grown 59% since I started working with OnDeck.”

Johnny Burns
Two Guys Autobody Supplies
Florence, AL

Build Good Credit

It doesn't matter if you’ve recently started your business or have been around for years, building a solid business credit profile is an important step to make sure you have access to all the financing options you need to build a thriving business. We help you build business credit by reporting your good payment history to the appropriate business credit bureaus.   Learn more about the importance of business credit by visiting our Small Business Center.

Vortic Watch Company business loans

“Companies like OnDeck are so important – they help you build your business credit while removing stressful ups and downs in cash flow, which is really helpful for businesses like mine. Last year we made about 300 watches, and this year we’ll make over 1,000 thanks to funding from OnDeck.”
RT Custer
The Vortic Watch Company
Fort Collins, CO

Anytime, Anywhere

We offer great service both online or offline—it's your choice. You can access your account via your customer portal or mobile app at any time of day or night, whether you want to check your balance, make a payment or find out when you’re eligible to renew. Or, if you prefer speaking with a real person, you can talk to Customer Service six days a week.

OnDeck Customer Portal business loans
For illustrative purposes only

Loyalty Benefits

We want to be there for you, now and in the future. That’s why we offer discounts on fees on renewal loans; as well as the ability to qualify for lower pricing with each subsequent business loan.

“Each time I took out a loan with OnDeck, the interest rate went down, and I like that I can pay a little off my loan each day. The funding helped me boost my advertising and manage my cash flow.”

Christopher Dutka
Christopher’s Kitchen
Morganville, NJ


A Dedicated Advisor

From the very first call, your loan specialist is always there for you. OnDeck Loan Specialists work with business owners like you every day, so they’ll be able to answer questions about business loans, industry challenges, and picking the best financing for your situation.

Loan Specialist Darcy business loans
Darcy M.
Loan Specialist