Business financing in as fast as 1 business day

OnDeck provides business loans that build your business credit – with a process and service you can trust.

Your Business Financing Options

  • Business Term Loans

    Invest in your business’ growth with a term loan up to $250,000.
    Learn More ›

  • Business Lines of Credit

    Effectively manage your business’ cash flow with a line of credit up to $20,000.
    Learn More ›

Typical Uses of OnDeck Business Loans

  • Purchasing Inventory
  • Purchasing Equipment
  • Bridging Receivable Gaps
  • Hiring Employees
  • Remodeling and Renovation
  • Handling Unexpected Expenses
  • Launching Marketing Campaigns
  • Opening New Location
  • Managing Cash Flow

How OnDeck Business Financing Works

  • 1. Apply Online

    A fast and easy application – takes as few as 10 minutes.

    Or call 888.269.4246 to speak to a US-based Loan Specialist.

  • 2. Receive Your Decision

    You will be provided a decision in minutes – no obligations.

    Our system evaluates which product best fits your business’ credit profile.

  • 3. Get Funded

    Receive funding via ACH or wire in as fast as 24 hours.

    Transfer depends on your product and location.

We help small businesses every day. Here’s what they’re saying:

As restaurant owners, my wife and I simply don't have time or resources for the bank route when it comes to financing. OnDeck's process is quick, easy to understand and allowed us to take on new and exciting projects.

Roderick & Ami Quass

2 South Food & Wine Bar

Colorado Springs, CO | 2southwinebar.com

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Thank you OnDeck for being there for my business again!

Mary Ellen Murphy

Off the Beaten Path Weddings

Yountville, CA | offthebeatenpathweddings.com

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OnDeck delivered when the banks let us down. They provided Pacific Fruit & Beverage with short term loans that allowed us to purchase raw materials so we could fill orders for the launch of our Nomsi calamansi beverage. OnDeck gave us the ability to focus on developing our juice lines instead of our financing lines.

Victor Elizaga

Pacific Fruit & Beverage Company

Walnut Creek, CA | drinknomsi.com

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My experience with OnDeck has been fantastic. Our bank is just getting harder and harder to deal with and our line of credit doesn't grow as our business grows, so having lenders of this sort is essential, I think. I was skeptical at first, but I have to say, the initial loan was a breeze, and came just when we needed it.

Paul S.

The Box Office Bistro

South Chatham, MA | theboxofficecafe.com

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OnDeck made getting a loan so incredibly easy and simple - I knew I was making the right decision. And, since closing my loan, I’ve already seen more than 100 new customers walk through my door. I’ll definitely be coming back to OnDeck for my next project.

Sharon Herd

Tropic Tan

Kennesaw, GA | tropictansalon.com

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Excellent seeing @OnDeckCapital as well. Keep up the good work out there. It is appreciated! #SMB

@secretchocolate

Secret Chocolatier

Charlotte, NC | thesecretchocolatier.com

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OnDeck is by far the easiest, fastest and most transparent funding source out there for business owners. Since taking my loan, I’ve had the strongest two months in my company’s history.

Kristopher Jackson

Prompt Internet Solutions

Port Huron, MI | promptinternet.com

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What Makes Us Better

We launched OnDeck in 2007 to solve a major issue facing small businesses: financing. We combined our passion for Main Street with cutting-edge technology to evaluate businesses based on their actual performance, not personal credit.

That’s enabled us to have significantly higher approval rates than if we only looked at personal credit scores, like many traditional lenders. And that lets owners spend their time where it should be—on growing their business, not seeking financing.

See how we compare ›