A+ Rating

With the Better Business Bureau

$14 Billion

Delivered to Businesses Globally

Your business needs options.
We’ve got different loans available for you.

OnDeck Line of Credit

Use for managing cash flow,
such as buying inventory
or making payroll

Get a revolving credit line,
with access to cash
when you need it

Loan amounts of $6K–$100K
12-month repayment term, resets after
each withdrawal

OnDeck Term Loan

Use for investments in your business,
such as
expansion projects or large purchases

Get a one-time lump sum of cash upfront,
with the option to apply for more when you’re
halfway paid down

Loan amounts of $5K–$250K
Repayment terms up to 24 months 

The perfect combo of speed and service.
And it’s easy to get started.

Step 1. Complete the application

Our application is pretty simple, and you can apply online or over the phone. 

Step 2. Get a decision

Your dedicated loan advisor will review your options with you.

Step 3. Receive your funds

Complete the online checkout and receive your funds as soon as the same day.*

Minimum eligibility requirements for an OnDeck Term Loan or Line of Credit

Minimum requirements: 1 year in business, personal FICO score of 600, business annual gross revenue of $100k, business checking account
We lend to over 700 industries, but there are some industries we cannot serve: see list of restricted industries. In addition, OnDeck does not lend to businesses in Nevada, North Dakota, or South Dakota.

Online doesn’t have to mean impersonal – with OnDeck you get real people to talk to.

You don’t need to be an expert on small business loans. Your dedicated, U.S. based loan advisor is available to help you every step of the way.

Call: (888) 269-4246

Monday – Friday
9:30 a.m. – 7:30 p.m. ET

Maria
Loan Advisor
New York, NY

Here’s what business owners like you have to say

Apply Online

Give us a call:

888-269-4246

Monday–Friday
9:30 am– 7:30pm ET

* Same Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday-Friday before 10:30am EST. If checkout is done before 10:30am EST, funds will be available by 5pm local time the same day. If checkout is done after 10:30am EST, or on a weekend or bank holiday, it will not qualify for Same Day Funding and funds will be deposited within 2-3 business days. Eligibility rules around creditworthiness and length of term loan apply.

Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with OnDeck. The average rate for term loans is 62.1% APR and the average rate for lines of credit is 48.9% APR. Averages are based on loans originated in the half-year ending March 31, 2022.