Here’s what you can expect when you choose OnDeck for fast financing

Complete the application
Go online or call us—just make sure to have your Business Tax ID (EIN) and three months of business bank statements at your fingertips. Our underwriting team will review your application.

Review your options
Expect a call from your dedicated loan expert to discuss your offers within one business day. If approved, you'll choose your term, amount, and payback schedules, then complete an easy online checkout.

Get your funds
As soon as same day, you can receive your funds. For term loans, your loan may be eligible for Same Day Funding (via ACH) or wire. For lines of credit, you can choose Instant Funding* or Same Day funding. That's what we call fast financing.


We serve over 700 industries. There are a few industries we can't serve. Learn More


How we determine your business financing terms

We know the health of your business is based on more than just a credit score. We use a combination of both technology and real people to evaluate you and your business financing needs.

100% transparency with every loan

Our SMART Box™ Contract 
We understand how important it is for you to know exactly what you’re getting when you choose business financing. That’s why OnDeck provides an easy-to-read, comprehensive guide called the SMART Box Capital Comparison Tool. The guide lists all of the key financing metrics and how they are calculated so that you have the right information when making financing decisions for your business.

Transparent Fees
OnDeck charges a one-time origination fee per term loan and a $20 monthly maintenance fee** for lines of credit to cover the cost of servicing and processing your business financing. Your dedicated loan advisor can answer any questions you have when you receive your financing offer from us.

Learn more

How repayment works

Payment Schedule

Choose between fixed daily or weekly payments based on what works best for your business


Automatic Withdrawals

Avoid missing payments and boost your business credit with automatic withdrawals


Prepayment Options

Always have the option to pay back your loan early. We also have prepayment options for you.


Accessing additional funds

We understand additional financing needs come up, and when they do we’re here for you. From your very first loan, we build a relationship with you by pairing you with a dedicated loan advisor—all to make sure you're getting the best service to address your continuing financing needs.

I originally used my OnDeck funds to build my dream practice in Pearl City. I was averaging about 285 patient visits a week at my Honolulu office. I saw an 85% increase in Pearl City! We are growing!

Dr. Reed Shiraki
Honor Box Chiropractic
Pearl City, HI

* Registration terms and conditions apply. Instant Funding registration and withdrawals are currently supported from your desktop and the OnDeck mobile website. They are not currently supported in the OnDeck mobile app. This benefit is available at no additional cost with a vast majority of major banks participating. Instant Funding is available for transactions between $1K-$10K. Same Day ACH is available for transactions up to $25K for select states. Checkout or draw must be within eligible times, between 7 PM ET day before and 10:30 AM ET day-of.
** Fee is waived for 6 months if a $5,000 initial draw is made within 5 days of opening account