Business loans to take you forward

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

Get to know our small business loans

Term 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 draw*

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

Extraordinary customers, extraordinary opportunities

See how owners like yourself use their OnDeck business loans.

Do you qualify?

OnDeck reviews applications from business owners in business just 1 year, but our median customer has been in business 7 years.

Your business should earn a minimum of $100,000 in gross annual revenue. Typical gross revenues exceed $450,000.

The minimum allowed personal credit score of a business owner is 600, but the majority have scores of 660 and higher.

Minimum requirements to apply. 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 a few industries we can’t serve.

Ready to unlock opportunity?

The OnDeck Advantage®: benefits for your business.

We've learned a thing or two by working with over 70,000 business owners like yourself. 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 in as fast as a few hours, and see money in the bank in as fast as 1 business day.

Johnny Burns of Two Guys Autobody Supplies Johnny Burns of Two Guys Autobody Supplies

“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, Alabama

A dedicated advisor along the way

From the first call to ongoing consultation, 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 cash flow.

Build good credit

Whether you’re recently starting out or have been around for years, building a solid business credit profile is vital to being able to access financing at the rates you want. We help you build business credit by reporting your payment history to credit bureaus. You can also work with one of our Credit Specialists to navigate things like Secretary of State filings. Learn more about the importance of business credit on our blog.

RT Custer of Vortic Watches RT Custer of Vortic Watches

“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—your choice. You can access your account via your customer portal or mobile app at any time of the day, 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.

Anytime, anywhere

Loyalty discounts

We want to be there for you, now and in the future. That’s why we offer the ability to qualify for lower pricing with each subsequent business loan.

Christopher Dutka of Christopher's Kitchen Christopher Dutka of Christopher's Kitchen

“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, New Jersey

* Fee is waived for 6 months, $5,000 initial draw must be within 5 days of opening account. Typical qualifications based on global operations for quarter ended June 30, 2016.

Get in Touch

Loans Subject to Lender Approval. OnDeck® is a Registered Trademark. All rights reserved.
1400 Broadway, New York, New York.