# OnDeck

> OnDeck is the largest online small business lender in the U.S. issuing over $6 billion dollars in loans and trusted by over 60,000 small businesses providing them business loans an lines of credit.

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## Pages

- [Dental Practice Loans](https://www.ondeck.com/dental-practice-loans)
- [Spotify](https://www.ondeck.com/aud/spotify)
- [PPCN](https://www.ondeck.com/ppcn)
- [SBA](https://www.ondeck.com/ppcn/sba)
- [Minority Business Loans](https://www.ondeck.com/small-business-loans-for-minorities): Get funding for minority business owners with fast approval and no collateral. Support for Black, female, and other minority-owned businesses—apply now.
- [2023 Small Business Cash Flow Trend Report](https://www.ondeck.com/small-business-trends-2023): Explore the key factors that impacted small business trends across the U.S. in 2023. Get insights into optimism and trends shown in cash flow data.
- [2024 Small Business Cash Flow Trend Report](https://www.ondeck.com/small-business-trends-2024): Explore the key factors that impacted small business trends across the U.S. in 2024. Get insights into optimism and trends shown in cash flow data.
- [Fast Business Loans for Women](https://www.ondeck.com/small-business-loans-for-women): Get up to $250K in small business funding for women—fast. Apply online and get funded in as little as 24 hours with term loans or lines of credit.
- [Sitemap](https://www.ondeck.com/sitemap): Visit OnDeck's sitemap for quick access to all our pages, including business loans and lending resources. Easily navigate to find the information you need.
- [Bad Credit Business Loans](https://www.ondeck.com/loantype-bad-credit-business-loans): Business loans can be hard to obtain for borrowers with bad credit. OnDeck can offer funding to business owners with fair credit, starting at a FICO score of 625.
- [No Credit Check Business Loans](https://www.ondeck.com/loantype-no-credit-check-business-loans): Looking for business funding with no credit check? Discover easy options for small businesses looking for same day business loans no credit check.
- [Small Business Cash Flow Trend Report](https://www.ondeck.com/small-business-trends): Get key insights into small business trends across America. See how owners are feeling about the future and discover trends revealed by cash flow data.
- [FAQs](https://www.ondeck.com/faqs): Find answers to the most common questions about OnDeck’s products, process and more. Get troubleshooting tips to help manage your account.
- [Short-Term Business Loans](https://www.ondeck.com/short-term-loans): Short term business loans from $5,000 to $250,000, term lengths up to 12 months, and Prepayment Benefits. Apply in minutes and get Same Day Funding.
- [Business Funding](https://www.ondeck.com/business-funding): Fuel growth with business funding from OnDeck. Explore fast, flexible funding options including business lines of credit and term loans.
- [CCPA/CPRA Request Form](https://www.ondeck.com/privacy-request): Submit a CCPA/CPRA privacy request with OnDeck. Access, delete, correct your data, or opt out of sharing. Protect your privacy today.
- [Contact Us](https://www.ondeck.com/contact-us): At OnDeck, you get real people to talk to. Whether you need help with a new or existing loan, OnDeck Support can answer all your questions.
- [About Us](https://www.ondeck.com/company): OnDeck provides flexible financing, dedicated loan advisors, and a hassle-free experience for small businesses. $13B+ delivered since 2007.
- [Homepage](https://www.ondeck.com/): Term Loans up to $250K and Lines of Credit up to $100K. Get funds as soon as the same day.
- [Business Cash Flow Loans](https://www.ondeck.com/loantype-temporary-cash-flow-loans): Business cash flow loans are a type of small business financing used to cover cash flow shortages. They can provide working capital for operating expenses.
- [Working Capital Loans](https://www.ondeck.com/loantype-working-capital-loans): Working capital loans are used to cover day-to-day costs and short-term business needs. Stock up on inventory. Start a new project. Apply in just minutes.
- [Unsecured Business Loans](https://www.ondeck.com/loantype-unsecured-business-loans): Get fast unsecured business funding with no collateral required from OnDeck. Explore flexible terms and competitive rates to fund small business growth.
- [Business Line of Credit up to $100,000](https://www.ondeck.com/business-line-of-credit): Business lines of credit provide working capital to manage cash flow, business growth and expenses. Apply now to get instant funding with OnDeck.*
- [OnDeck Card Terms & Conditions](https://www.ondeck.com/terms): Terms of Use Updated and effective December 07, 2022 1. OnDeck Terms and Conditions The OnDeck Services and websites (each as defined below) are operated
- [Loans for Cleaning Services](https://www.ondeck.com/loans-for-cleaning-services): Learn more about loans for cleaning services. OnDeck offers several types of small business loans for your cleaning services company.
- [Business Term Loan](https://www.ondeck.com/business-term-loan): Grow your small business with a term loan offering predictable payments and flexible options. Apply online with OnDeck to secure business funding today!
- [Loans for Contractors](https://www.ondeck.com/loantype-loans-for-contractors): Contractors often consider financing to purchase equipment and fund other business initiatives, here's what you need to know about loans for contractors.
- [Restaurant Financing](https://www.ondeck.com/loantype-restaurant-financing): Restaurants can use financing to fuel growth and fund business initiatives. Here's what you need to know about restaurant business loans.
- [Retail Business Loans](https://www.ondeck.com/loantype-retail-business-loans): Retail businesses often consider retail business loans to fund growth and other initiatives. Here's what you need to know about loans for retail businesses.
- [Trucking Business Loans](https://www.ondeck.com/loantype-trucking-business-loans): Trucking business loans help to fuel growth and fund other business initiatives. Here's what you need to know about business loans for trucking companies.
- [Loans for Doctors and Physicians](https://www.ondeck.com/loantype-medical-practice-loans): Medical practices often consider financing to fuel growth and fund other business initiatives, here's what you need to know about medical practice loans.
- [Microloans for Small Businesses](https://www.ondeck.com/loantype-micro-loans): Microloans enable small businesses to turn relatively small loan amounts into big results. Here's what you need to know about microloans for small businesses.
- [Small Business Loans](https://www.ondeck.com/small-business-loans): Get fast small business funding with term loans or lines of credit. Apply online with OnDeck for flexible business loans and funding in as soon as 24 hours.†
- [Business Line of Credit vs Business Credit Card](https://www.ondeck.com/loantype-business-line-of-credit-vs-business-credit-card): Many businesses use a business credit card to pay for business expenses. A business line of credit could be a good complement to a credit card. Learn more.
- [Equipment Financing and Leasing](https://www.ondeck.com/loantype-equipment-financing-and-leasing): From construction machinery to daily business tools, get the equipment you need with funding from OnDeck. Apply for an equipment loan with same-day funding.†
- [Invoice Factoring Loans for Small Businesses](https://www.ondeck.com/loantype-invoice-factoring): Invoice factoring for small businesses has been around for a long time. Here's what you need to know about factoring loans to make an informed decision.
- [Merchant Cash Advance](https://www.ondeck.com/loantype-merchant-cash-advance): A merchant cash advance (MCA) provides quick access to working capital based on future sales. Find the right funding option with OnDeck’s fast financing.
- [Inventory Loans for Small Businesses](https://www.ondeck.com/loantype-inventory-loans): Many businesses use inventory loans to purchase quick-turnaround inventory to increase profits and ROI. Here's what you need to know.
- [Commercial Loans for Small Business](https://www.ondeck.com/loantype-commercial-loan): Many businesses rely on commercial financing, or commercial loans, to fuel growth and meet other business demands. Here's what you need to know.
- [OnDeck Loan Comparison Tool](https://www.ondeck.com/transparency): OnDeck is dedicated to business loan transparency.
- [Reviews From Small Business Customers](https://www.ondeck.com/reviews): Read why small business owners choose OnDeck. Learn about our customer success stories and reviews.
- [OnDeck Business Loan Requirements](https://www.ondeck.com/loan-qualifications): Qualifying for a business loan is straightforward and simple at OnDeck. Our minimum loan qualifications are less intensive than those of banks. We’re focused on getting you approved so your business can thrive.
- [Security Policy](https://www.ondeck.com/security-policy): Learn how we protect your information and data. Get tips to avoid scams and see how you can keep your customers safe.
- [Privacy Policy](https://www.ondeck.com/privacy): We take privacy seriously. Read our privacy policy to learn what information we collect and how we keep it safe.
- [Partner](https://www.ondeck.com/partner): Partner with OnDeck to deliver incredible financial experiences for your customers. Enterprise, Affiliate, and Accountant partnerships available.

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## Resources

- [How Do Online Business Loans Work?](https://www.ondeck.com/resources/how-do-online-business-loans-work): Getting a loan used to mean scheduling an in-person appointment, gathering stacks of paperwork and waiting weeks for an answer....
- [Grants for Minority Business Owners](https://www.ondeck.com/resources/minority-business-grants): Access to funding can play a major role in the growth of a small business. But for many minority-owned businesses,...
- [How to Apply for Minority-Owned Business Grants](https://www.ondeck.com/resources/how-to-apply-for-minority-owned-business-grants): For minority business owners and entrepreneurs who are looking for funding, grants can be a great option. Unlike loans for...
- [Profit Margin Calculator: Calculate Your Current and Desired Margin](https://www.ondeck.com/resources/profit-margin-calculator): If you know the cost of stocking the goods you sell and your selling price, stay on the Profit Margin...
- [Small Business Saturday 2025: Everything You Need To Know To Celebrate](https://www.ondeck.com/resources/small-business-saturday): Small Business Saturday celebrates locally owned small businesses and encourages people to shop and dine at independent businesses. Read on...
- [Revenue Per Employee: The Top Companies Ranked](https://www.ondeck.com/resources/revenue-per-employee-ranking): Revenue per employee (RPE) is a metric that businesses can use to measure the productivity and efficiency of their workforce....
- [The Highest-Rated Women-Owned Small Businesses in America](https://www.ondeck.com/resources/most-popular-women-owned-business-by-state): America’s women-owned businesses employ 11. 4 million people and generate over $2. 1 trillion in revenue annually. But women still...
- [How to Build Business Credit: 7 Simple Steps to Get Started](https://www.ondeck.com/resources/how-to-establish-and-build-business-credit): Building your business credit can start with a few steps, like setting up your legal business entity and becoming more...
- [Business Tradelines: What They Are and How They Can Help You Build Credit](https://www.ondeck.com/resources/business-tradelines): In business, credit is crucial. It can make or break your ability to grow and sustain your company. For many...
- [How to Read a Business Credit Report and Get Your Score](https://www.ondeck.com/resources/how-to-read-business-credit-report): A good business credit score offers many benefits. It can help you secure business financing, establish better partnerships, get lower...
- [Which States Have the Most Family-Owned Businesses? (And Other Family Business Statistics)](https://www.ondeck.com/resources/states-metros-family-owned): The U. S. Small Business Administration defines a family business as one that is majority-owned by at least two members...
- [Business Credit vs. Personal Credit — What’s the Difference?](https://www.ondeck.com/resources/business-credit-vs-personal-credit): As a small business owner, understanding the difference between your personal credit score and your business credit score is important....
- [A Guide to Business Funding During the 2025 Government Shutdown](https://www.ondeck.com/resources/government-shutdown-sba-loans): The 2025 government shutdown has left many small business owners in a bind — especially those counting on SBA loans...
- [Women’s Small Business Month 2025: 8 Ways to Celebrate](https://www.ondeck.com/resources/national-womens-small-business-month): October is National Women’s Small Business Month, an annual celebration of women business owners, founders and entrepreneurs. It’s a time...
- [How To Build Your Business Credit History Fast: 6 Easy Steps](https://www.ondeck.com/resources/build-business-credit-fast): Good business credit history can unlock doors for small business owners. Whether you’re a startup that recently checked your business...
- [How Long Does It Take to Build Business Credit?](https://www.ondeck.com/resources/how-long-does-it-take-to-build-business-credit): Building a strong business credit profile takes time — but how much time depends on how you structure your business,...
- [How to Register as a Minority-Owned Business](https://www.ondeck.com/resources/how-to-register-as-a-minority-owned-business): Getting certified as a minority-owned business can help you access important resources, funding, business opportunities and procurement contracts. If you’re...
- [How To Qualify for a Business Loan: What You Need to Get Started](https://www.ondeck.com/resources/how-to-qualify-for-a-business-loan): For many small business owners, business financing can be critical — a means to fund growth, cover operating expenses or...
- [Benefits of Being Certified as a Women-Owned Business](https://www.ondeck.com/resources/woman-owned-business-benefits): Being a certified women-owned business comes with benefits beyond a badge. Certification is a powerful tool that can help you...
- [What To Know About Women-Owned Business Certifications](https://www.ondeck.com/resources/women-owned-business-certification): Learn how to get certified as a women-owned business and unlock benefits like government contracts, networking opportunities and funding resources.
- [Documents You Need To Apply for a Business Loan](https://www.ondeck.com/resources/business-loan-documents): Securing a small business loan can be a pivotal moment in an entrepreneur’s journey. Whether you’re looking to cover day-to-day...
- [Pros and Cons of a Business Line of Credit](https://www.ondeck.com/resources/pros-and-cons-business-line-of-credit): Whether you’re running a startup or managing an established company, access to capital is essential. One popular financing option is...
- [Business Line of Credit vs. Term Loan](https://www.ondeck.com/resources/business-term-loan-vs-line-of-credit): Running a business can often mean needing capital beyond what you have on hand. The right type of financing can...
- [What You Need To Know About Seasonal Businesses](https://www.ondeck.com/resources/seasonal-small-business): Learn how to start and manage a seasonal business with expert off-season tips. Discover profitable business ideas for year-round growth.
- [18 Ways To Increase Sales for Your Small Business](https://www.ondeck.com/resources/how-to-increase-sales): Discover 18 ways to increase sales. 1. Nail down your value proposition. 2. The sales funnel method. 3. Engage with customers
- [17 Employee Retention Strategies to Keep Your Top Talent](https://www.ondeck.com/resources/employee-retention): Learn how the biggest companies retain thKeep your top talent with these popular employee retention strategies. Plus, check out these retention lessons from 14 of the world’s largest companies.
- [12 Ways To Increase Restaurant Sales](https://www.ondeck.com/resources/increase-restaurant-sales): The restaurant industry can be challenging. With fluctuating food costs, changing customer preferences and rising competition, staying ahead can require...
- [Business Loan Calculator: Estimate Payments, Borrowing Costs and Loan Amounts](https://www.ondeck.com/resources/business-loan-calculator): Use the business loan calculator to figure out how much you can borrow, estimate your payments and determine the cost of borrowing.
- [12 Tips and Tricks to Help You Manage a Successful Restaurant](https://www.ondeck.com/resources/restaurant-management-tips-and-tricks): Make no mistake — the food service and hospitality industry is more competitive than ever. From managing employees and suppliers...
- [Secured vs. Unsecured Business Loans](https://www.ondeck.com/resources/secured-vs-unsecured-business-loans): Discover the key differences between secured and unsecured business loans, including pros and cons and how to choose the best option for your business needs.
- [What Is a Business Term Loan and How Does It Work?](https://www.ondeck.com/resources/what-is-a-business-term-loan): Business term loans are one of the most popular ways to secure funding for your business. Whether you’re looking to...
- [What is Operations? And Why Does My Business Need It?](https://www.ondeck.com/resources/what-is-operations): Efficient business operations is key to running a business that’s always getting better and better at what it does. Here's what you need to know.
- [Small Business Employee Benefits: What You Need To Know and Why It Matters](https://www.ondeck.com/resources/small-business-employee-benefits): Discover how small businesses can build competitive benefits packages, including health insurance, retirement plans and perks that attract top talent.
- [Is a Small Business Loan Secured or Unsecured?](https://www.ondeck.com/resources/are-small-business-loans-secured-or-unsecured): Starting and growing a small business often requires access to capital. While some entrepreneurs might have savings to invest, many turn to business loans A small business loan can be secured or unsecured. Here’s what you need to know before you apply.
- [Business Structures: How to Choose the Right One](https://www.ondeck.com/resources/business-structure): Review common business structures such as LLCs, sole proprietorships, and corporations to help you choose the right business structure for your needs.
- [14 Ways to Advertise Your Small Business Effectively](https://www.ondeck.com/resources/small-business-advertising): Learn how to advertise your small business effectively with these 15 proven strategies, from social media to SEO and more. Boost your reach today!
- [Business Financial Management: What It Is and How To Improve It](https://www.ondeck.com/resources/business-financial-management): Discover small business financial management tips. Learn how to streamline finances, boost cash flow and plan for success.
- [14 Ideas to Celebrate Small Business Week](https://www.ondeck.com/resources/celebrate-small-business-week): Celebrate Small Business Week with these 14 ideas — from hosting events to leveraging social media and more. Discover ways to support and grow your business.
- [5 Actionable Business Growth Strategies for Small Businesses](https://www.ondeck.com/resources/business-growth-strategies): Discover proven growth strategies to help your business thrive. Learn how to expand marketing, retain customers, improve products and scale effectively.
- [How to Write a Business Plan: 10 Steps for Small Business Owners](https://www.ondeck.com/resources/how-to-write-a-business-plan): Want to write a winning business plan? Use these 10 simple, easy-to-follow steps as your guide for crafting a solid business plan.
- [Small Business Management: What It Is and How To Do It](https://www.ondeck.com/resources/small-business-management): Discover essential strategies, skills and tools for effective small business management. Learn how to streamline operations and drive growth with confidence.
- [How To Get a Small Business Loan Without Collateral](https://www.ondeck.com/resources/how-to-get-a-small-business-loan-without-collateral): No collateral? No problem! Discover how to secure a small business loan without risking your assets. Explore tips, loan types and eligibility requirements.
- [What Is Collateral and Do I Really Need it for a Business Loan?](https://www.ondeck.com/resources/what-is-collateral-and-do-i-really-need-it-for-a-business-loan): As a small business owner, accessing the right financing is critical to grow — whether expanding operations, purchasing equipment or...
- [How to Create a Budget for Your Business: 4 Steps Made Simple](https://www.ondeck.com/resources/business-budget): Creating a small business budget is an essential step that can help small business owners take control of their finances,...
- [11 Essential Small Business Goals and How to Achieve Them](https://www.ondeck.com/resources/small-business-goals): Take on your goals head first. By setting objectives and following through on these key strategies, you’ll be well-positioned to achieve them.
- [The Cities with the Highest-Rated Independent Coffee Shops](https://www.ondeck.com/resources/best-coffee-shops-in-america): Something strange is happening to coffee shops: the chains are getting smaller while the independents are getting bigger and bolder....
- [What You Need to Know About Short-Term Financing](https://www.ondeck.com/resources/short-term-business-financing-all-you-need-to-know): Financial management is a cornerstone of personal and business success. Whether you’re a small business owner navigating cash flow challenges...
- [End-of-Year Checklist for Small Businesses: 11 Things to Do Before the Year Ends](https://www.ondeck.com/resources/end-year-checklist-small-businesses): The end of the year can be a busy time for small business owners. Use our small business end of year checklist to help you get organized.
- [The Places in America Where Small Businesses Are Thriving](https://www.ondeck.com/resources/best-place-to-start-a-small-business): Small businesses are a big deal in America — and their share of the economic landscape is expanding. Companies with...
- [5 Ideas for a Small Business Holiday Party and How to Plan It](https://www.ondeck.com/resources/how-to-throw-the-ultimate-work-holiday-party): Get inspired with unique holiday party ideas for small businesses! From themed parties to gift exchanges, learn how to plan a festive, memorable event.
- [7 Surefire Ways to Increase Sales This Holiday Season](https://www.ondeck.com/resources/how-retailers-can-maximize-holiday-season-sales): The holiday season can bring a big surge in retail sales. But this revenue boost can come with challenges as...
- [How Many Business Credit Cards Is Too Many?](https://www.ondeck.com/resources/how-many-business-credit-cards-is-too-many): Discover how many business credit cards you should have, the benefits of multiple cards, and how they impact your business credit score.
- [The Cities with the Most Loved Independent Stores](https://www.ondeck.com/resources/favorite-small-businesses): Discover the U.S. cities with the most loved independent stores, where unique boutiques and local shops thrive.
- [How to Get a Business Credit Card: What to Know Before You Apply](https://www.ondeck.com/resources/how-to-get-a-business-credit-card): Learn what you need to do to get a business credit card that is right for your small business.
- [What Is a Business Credit Card and Is It Right for You?](https://www.ondeck.com/resources/understanding-business-credit-cards): A business credit card is a financial tool business owners use to cover expenses and manage cash flow. See if it’s right for your business.
- [7 Types of Business Bank Accounts and How to Choose One](https://www.ondeck.com/resources/types-of-business-bank-accounts): Types of business bank accounts include checking, saving, money market and merchant accounts.
- [What You Need To Open a Business Bank Account and Why You Should](https://www.ondeck.com/resources/what-do-i-need-open-business-bank-account): If you’re weighing whether or not you need to open a business checking account, you’ll want to understand what you’ll need and how it can help your business.
- [What Is Revenue-Based Financing and Is It Right for Your Small Business?](https://www.ondeck.com/resources/revenue-based-financing): Revenue-based financing is a non-traditional funding option with some pros and cons. See if RBF could be right for your small business.
- [Uncovering the Least and Most Competitive Types of Restaurants to Open in 2025](https://www.ondeck.com/resources/what-is-the-most-popular-type-of-restaurant): Discover which types of restaurants face the fiercest competition across the U.S. and in major U.S. cities.
- [78 Business Terms Small Business Owners Should Know](https://www.ondeck.com/resources/business-terms-to-know): Common business terms include A/B testing, accounts receivable, acquisition, actuary, affiliate marketing and more.
- [12 Best Merchant Cash Advance Alternatives for Small Businesses](https://www.ondeck.com/resources/merchant-cash-advance-alternatives): Alternatives to merchant cash advances include online business loans, lines of credit, SBA loans, equipment loans and more. See what works best for you.
- [What Is Operational Effectiveness and How Do I Improve It?](https://www.ondeck.com/resources/effective-operations): Operational effectiveness is about optimizing business processes, resources and talent to gain a competitive edge and succeed. Use these expert tips to start.
- [A Step-By-Step Guide to Operations Manuals: What They Are and How To Create One](https://www.ondeck.com/resources/5-reasons-you-need-a-documented-operations-manual): An operations manual can take your small business to the next level. Learn what they are and how to write one.
- [The Pros and Cons of Merchant Cash Advances](https://www.ondeck.com/resources/pros-and-cons-merchant-cash-advances): Discover the pros and cons of merchant cash advances, how they work, their impact on credit, and explore alternative financing options for your business.
- [Merchant Cash Advance Consolidation: How It Works and What You Need to Know](https://www.ondeck.com/resources/merchant-cash-advance-consolidation): Consolidating merchant cash advances could simplify your repayments, lower factor rates and help improve credit history. Understand the process and potential risks before deciding if it’s right for you.
- [How To Determine the Amount of Your Business Line of Credit](https://www.ondeck.com/resources/how-to-determine-business-line-of-credit-amount): Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.Learn how to determine the right line of credit amount for your business, including assessing needs, improving limits and budgeting for payments.
- [5 of the Best Ways To Use Your Business Line of Credit](https://www.ondeck.com/resources/uses-for-business-line-of-credit): If you’re a small business owner, it’s important to have financial flexibility to see you through the ups and downs...
- [Working Capital Formula: What It Is and How To Calculate It](https://www.ondeck.com/resources/working-capital-formula): Learn how to calculate working capital and stay on top of your business finances.
- [Sale-Leasebacks: How to Use Your Assets to Increase Cash Flow](https://www.ondeck.com/resources/sale-leaseback): A sale-leaseback is when a company sells an asset (typically real estate or equipment) to an investor or leasing company and leases it back for a set period.
- [The States Where Small Businesses Pay the Highest Wages](https://www.ondeck.com/resources/small-business-employee-salary): Massachusetts small businesses offer the highest wages, at an average annual salary of $72,151.
- [Leasing vs. Buying Business Equipment: What Makes Sense for Your Business?](https://www.ondeck.com/resources/leasing-vs-buying-makes-sense-business): Leasing and buying equipment both have their pros and cons, but which is right for your business?
- [SBA Loan With Bad Credit: What You Can Expect](https://www.ondeck.com/resources/sba-loan-with-bad-credit): Loans secured by the Small Business Administration (SBA) are highly sought after, but getting approved with a bad credit score...
- [Minimum Credit Score for Business Loans: Answers and Options](https://www.ondeck.com/resources/minimum-credit-score-for-business-loan): Securing a business loan can be a crucial step for entrepreneurs looking to start or expand their businesses. However, one...
- [What To Do When a Business Partner Has Bad Credit](https://www.ondeck.com/resources/business-partner-with-bad-credit): Around 28% of Americans have fair or poor credit — so it’s not uncommon for someone to have less-than-perfect credit....
- [Do Credit Checks Lower My Business Credit Score?](https://www.ondeck.com/resources/do-credit-checks-lower-my-business-credit-score): As a small business owner, your credit score is a crucial part of your financial identity. Establishing and maintaining strong business credit can help Understanding how credit checks impact your business credit score is important for your financial health.
- [What Is a Soft Credit Check for a Business Loan?](https://www.ondeck.com/resources/what-is-a-soft-credit-check): A soft credit check for a business loan usually means the lender is pulling a small overview of your personal credit history.
- [Calculating Your Working Capital Needs](https://www.ondeck.com/resources/how-much-working-capital-do-i-need): Your working capital ratio can help you determine how much working capital you need.
- [Opening a Business Credit File: A Step-by-Step Guide](https://www.ondeck.com/resources/create-small-business-credit-file): Establishing and nurturing a small business credit profile is a crucial step toward building healthy business credit.
- [Working Capital Optimization: Strategies for Small Businesses](https://www.ondeck.com/resources/working-capital-optimization): Working capital optimization is the process of managing a business’s short-term assets and liabilities to maintain liquidity.
- [The Most Innovative American Companies, Based on Patents](https://www.ondeck.com/resources/most-patents-by-company): IBM is America’s most innovative company, with 3,953 patents granted in 2023. California is the most innovative state.
- [What Is Working Capital and Why Does It Matter?](https://www.ondeck.com/resources/what-is-working-capital): Working capital is a measure of a company’s liquidity. It’s defined as the difference between your current assets and current liabilities.
- [7 Smart Small Business Tax Planning Strategies to Help You Save Money](https://www.ondeck.com/resources/high-value-tax-strategies-for-small-business-owners): See how everything from your business structure to your retirement plan can help you save money on your business taxes.
- [Fixed Capital vs Working Capital: What’s the Difference?](https://www.ondeck.com/resources/fixed-capital-vs-working-capital): Fixed capital includes long-term assets such as real estate, while working capital comprises liquid assets for covering operating expenses.
- [What Is a Good Working Capital Ratio?](https://www.ondeck.com/resources/what-is-a-good-working-capital-ratio): A good working capital ratio is generally between 1.5 and 2, but your company’s financial picture doesn’t end there.
- [The Freelancer Pay Gap by State](https://www.ondeck.com/resources/pay-gap-gig-economy): On average, a female freelancer charges just 79 cents for every dollar a male freelancer charges. However, the freelancer pay gap varies significantly between categories.
- [Gross Revenue vs. Net Revenue](https://www.ondeck.com/resources/gross-revenue-vs-net-revenue): Understanding the financial health of your business is key to your success. Both gross revenue and net revenue are financial...
- [The Most Trusted American Companies, Based on 14 Million Customers](https://www.ondeck.com/resources/most-trusted-brands): While big business behemoths like Target and Walmart are ubiquitous across the U.S., America likes to shop small, with nine in 10 of the country’s
- [10 Steps to Hire the Right Employees for Your Small Business](https://www.ondeck.com/resources/make-sure-youre-hiring-the-right-people): Hiring good employees takes more than just posting a job opening. Here are some steps you can take to get the top talent.
- [Understanding Personal Guarantees in Small Business Financing](https://www.ondeck.com/resources/understanding-personal-guarantees): A personal guarantee makes a borrower personally responsible for a business loan. Lenders use it to create an additional layer of security when considering a loan application.
- [Atlanta Florist Blossoms During Busy Seasons](https://www.ondeck.com/resources/atlanta-florist-blossoms-during-busy-seasons): Conquer seasonal rushes with these success strategies from Royal Petals ATL.
- [Financial Terms: 77 Essential Words for Business Owners](https://www.ondeck.com/resources/21-financial-terms-you-should-know): Understanding financial terms can feel like learning a new language, and it’s a challenge for many small business owners. This...
- [The Highest-Rated Independent Restaurants in Every State](https://www.ondeck.com/resources/most-popular-restaurants-in-america): From early morning pancakes to lavish dinners, learn what makes these independent restaurants the most beloved dining spots in America.
- [7 Key Factors to Build a Good Pricing Strategy](https://www.ondeck.com/resources/7-key-keys-to-building-a-good-pricing-strategy): Setting the right price for your products and services can feel like a tightrope walk. If your prices are too...
- [Facebook vs. Website: Which Should You Use?](https://www.ondeck.com/resources/facebook-page-vs-website-which-use): A Facebook page is easier to use and cheaper. A website, however, offers your business SEO benefits.
- [Corporate Transparency Act: What Businesses Need to Know in 2024](https://www.ondeck.com/resources/corporate-transparency-act): The Corporate Transparency Act marks a major shift in reporting requirements. Noncompliant businesses can face civil or criminal penalties.
- [Generative AI for Small Businesses: Uses, Tools and Examples](https://www.ondeck.com/resources/ai-for-small-business): Put AI to work for your small business with our comprehensive guide to generated text, images, audio and video.
- [The 9 Most Essential Questions To Ask Your Accountant This Year](https://www.ondeck.com/resources/6-questions-absolutely-must-ask-accountant-year): Your accountant is a valuable resource. Here’s what you should be asking them.
- [How Long Can You Finance Equipment?](https://www.ondeck.com/resources/how-long-can-you-finance-equipment): The term length of equipment financing can depend on many factors. Here’s what you should know.
- [Annual Operating Plan: How to Build One in 8 Easy Steps](https://www.ondeck.com/resources/annual-operating-plan): Creating an effective annual operating plan (AOP) is important for any business, whether it’s a bustling startup or a well-established...
- [Can I Get Financing for Used Equipment?](https://www.ondeck.com/resources/can-i-get-equipment-financing-for-used-equipment): Yes, you can get financing for used equipment, but there may be a few key differences than financing new equipment. Here’s what you need to know.
- [The Countries and Cities With the Highest Proportion of Business Founders](https://www.ondeck.com/resources/countries-with-the-most-entrepreneurs): Does where you live make a difference in how likely you are to start a business?
- [Invoice Factoring vs. Line of Credit: Weighing Your Options](https://www.ondeck.com/resources/factoring-vs-line-of-credit): Invoice factoring and lines of credit are business funding options, but when it comes to usage, repayment and cost there are some big differences.
- [America’s Highest Value International Exports, by State](https://www.ondeck.com/resources/biggest-us-exports): The U. S. trade deficit hit nearly $1 trillion in 2022, as America imported some $948. 1 billion more than...
- [Personal Line of Credit vs. Business Line of Credit: What’s the Difference?](https://www.ondeck.com/resources/personal-line-of-credit-vs-business-line-of-credit): A business line of credit is a flexible form of financing tailored to serve your business. Learn why getting a line of credit designed for businesses and not personal use is important.
- [Does a Business Line of Credit Affect Personal Credit?](https://www.ondeck.com/resources/does-a-business-line-of-credit-affect-personal-credit): Discover how and when a business line of credit can affect your personal credit.
- [What Is a Revolving Line of Credit?](https://www.ondeck.com/resources/what-is-a-revolving-line-of-credit): As a small business owner, you’re no stranger to the ups and downs of cash flow. There are times when...
- [Is a Small Business Loan Installment or Revolving?](https://www.ondeck.com/resources/is-small-business-loan-installment-or-revolving): A small business loan can be either installment or revolving. Learn the differences so you can pick the right one!
- [The Companies That Produce the Most CEOs](https://www.ondeck.com/resources/which-company-produced-the-most-ceos): They’re three ordinary letters that convey a world of power: CEO. But every CEO has their own origin story, some...
- [From Rio to Kauai: Gisele’s Entrepreneurial Journey](https://www.ondeck.com/resources/from-rio-to-kauai-giseles-entrepreneurial-journey): When Gisele Gardner moved to Hawaii from Brazil in 1997, she had no intention of starting a business. Over two...
- [The Net Income Formula Explained](https://www.ondeck.com/resources/net-income-formula): The net income formula helps you determine how much your business nets. To calculate net income, subtract total expenses from total revenue.
- [The Most Popular Business Industries in Every Country and U.S. State](https://www.ondeck.com/resources/biggest-industries-in-the-world): In today’s globalized world, industry production overwhelmingly dictates the health of our economies. Institutions like the International Monetary Fund
- [Content Marketing for Small Business: What You Need To Know To Succeed](https://www.ondeck.com/resources/small-business-owners-need-know-content-marketing): Learn how to market your business and gain an edge over your competitors by creating compelling content.
- [What Is a Good Business Credit Score?](https://www.ondeck.com/resources/business-credit-score-actually-mean): Discover the key factors that define a good business credit score and unlock potential for growth and financial success.
- [Email Marketing for Small Business: A 10-Step Guide for Success](https://www.ondeck.com/resources/small-business-best-practices-email-marketing): Email marketing can have a big impact on your business. Learn how to create an effective strategy with our guide.
- [Social Media Marketing for Small Business: The Ultimate Guide](https://www.ondeck.com/resources/5-tips-to-evaluating-your-small-business-social-media-marketing): Master social media marketing with our comprehensive guide. Discover effective strategies, tips and tools to boost your online presence and drive business growth!
- [The Most Loved Consumer Brands From Every State, Based on 2 Million Tweets](https://www.ondeck.com/resources/most-loved-brands): Branding has always been territorial. First, America’s cowboys branded their cattle to warn others to keep their hands off. Then, industrial-era
- [Is Business Loan Interest Tax Deductible?](https://www.ondeck.com/resources/is-business-loan-interest-tax-deductible): Business owners may be able to deduct the interest on their small business loans on their taxes. Here’s what you need to know.
- [What Is a Good Profit Margin?](https://www.ondeck.com/resources/good-profit-margin): You think your small business is doing well — you have loyal customers and you’re selling consistently. You try your...
- [Small Business Challenges: 58% “Very Concerned” About the Economy](https://www.ondeck.com/resources/small-business-challenges): The pandemic is in the rearview (knock on wood). Consumers are spending and life has returned to something resembling normal....
- [The U.S. States and Metro Areas With Highest Percentage of Female-Owned Businesses](https://www.ondeck.com/resources/what-percentage-of-businesses-are-owned-by-women): Owning your own business is the epitome of the American Dream. The freedom of self-employment and control of your own...
- [8 Marketing Ideas for Small Business — Easy, Creative and Inexpensive!](https://www.ondeck.com/resources/6-cost-effective-small-business-marketing-ideas): Grow your small business with these 8 creative and cheap marketing ideas.
- [The Reasons People Start Businesses in Every U.S. State and Metro Area](https://www.ondeck.com/resources/reasons-to-start-a-business): Every year, about 1 million new businesses spring up in America, according to the Bureau of Labor Statistics. Something inspires the nation’s
- [ACH Payments: What They Are and How They Work](https://www.ondeck.com/resources/ach-payments): ACH payments are designed to make things quick and easy. The money is taken straight from your bank account, which allows for same-day, direct payments between two parties.
- [Cost of Debt Formula: What It Means and How To Calculate It](https://www.ondeck.com/resources/cost-of-debt-formula): To calculate cost of debt, divide your total interest by your total debt. This formula tells you how much you’re spending on repaying your debt.
- [Small Business Marketing: A Step-by-Step Guide to Grow Your Company](https://www.ondeck.com/resources/small-business-marketing): Rock small business marketing with leading-edge strategies for social media, email, SEO and more.
- [Balance Sheet vs. Income Statement: How Are They Different?](https://www.ondeck.com/resources/balance-sheet-vs-income-statement): The difference between a balance sheet and income statement is the information they cover, plus the period of time they account for. Let’s define a balance sheet and income statement, explain what goes on each document, and review their differences.
- [A Small Business Guide to Growth Hacking](https://www.ondeck.com/resources/growth-hacking): Every business has to start somewhere, whether a Silicon Valley tech start-up coding from a garage or a local store selling to its first customers. 2021
- [The Companies That Produce The Most Business Founders](https://www.ondeck.com/resources/companies-that-produce-the-most-business-founders): After reaching a certain level of experience in your career, the allure of starting your own business can be all...
- [Should You Go Into Business With a Co-founder?](https://www.ondeck.com/resources/do-you-need-a-cofounder): Getting a business off the ground is no easy task. You may have had your dynamite idea and constructed a...
- [The Most and Least Stressful Business Software](https://www.ondeck.com/resources/stressful-business-software): Stress is one of the largest impediments to business productivity. Research from The American Institute of Stress discovered that 94% of workers report
- [10 Delegation Strategies From Famous Leaders (And How to Apply Them)](https://www.ondeck.com/resources/how-to-delegate): In any workplace and in any industry, effective delegation skills are considered essential. As a manager of a team, you are trusted to assign the right
- [How OnDeck Can Help Your Small Business](https://www.ondeck.com/resources/how-ondeck-can-help): Running a business can be challenging, but OnDeck is here to help. As an OnDeck customer, you get access to...
- [A Small Business Guide to Starting a Newsletter](https://www.ondeck.com/resources/business-newsletter): A lot has happened since email went out of fashion. Media went social. Memes went viral. Influencers influenced. But now, marketing has come full circle.
- [What Documents Do I Need to Apply for Small Business Financing?](https://www.ondeck.com/resources/documents-apply-financing): When making a decision to approve or deny a loan, lenders look to answer one main question: Will you repay what you borrow? Your lender will ask for
- [How Cash Flow Affects Your Small Business Loan Application](https://www.ondeck.com/resources/cash-flow-affects-application): Lenders consider a lot of factors when reviewing a loan application. They look at things like your credit score, your business plan and what you can offer
- [How Business Loans Can Help You Build Your Credit](https://www.ondeck.com/resources/loans-build-credit): Good business credit can open doors. Just like your personal credit score, a good business credit score can make it easier to get funding and to get it at
- [7 Reasons to Support Small Businesses](https://www.ondeck.com/resources/reasons-support-small-businesses): Without small businesses, every town would feel more or less the same — the same restaurants, the same coffee shops, the same big-name retailers. Small
- [The Business Apps That Collect The Most and Least Data](https://www.ondeck.com/resources/apps-collect-most-least-data): If you’ve ever consented to a privacy policy without fully reading through its terms, then you belong with the majority...
- [11 Common Side Hustle Mistakes (And How to Avoid Them)](https://www.ondeck.com/resources/common-side-hustle-mistakes): Somewhere along the way, the workforce switched its ideals from “a job for life” to “my life is my own.” The side-hustle is all about taking back control,
- [Improve Your Cash Flow With Stripe and OnDeck](https://www.ondeck.com/resources/improve-cash-flow-stripe-ondeck): Stripe provides a simple way to accept payments, whether you connect with customers online, in person or across the globe....
- [What Is Loan Stacking?](https://www.ondeck.com/resources/loan-stacking): When you run a small business, estimating your funding needs can be a difficult task. Occasionally, you may require funds beyond your initial business
- [What Questions Are Asked on a Small Business Loan Application?](https://www.ondeck.com/resources/business-loan-application-questions): If you’re in need of a small business loan, it’s helpful to know what to expect when you apply. While lenders vary, you can generally expect the same
- [5 Factors To Consider When Choosing a Small Business Lender](https://www.ondeck.com/resources/5-factors-to-consider-when-choosing-a-small-business-lender): Securing small business financing is often a necessary step in running and growing your company. However, with so many small business lenders to choose
- [What to Consider Before Sharing Your Financial Data](https://www.ondeck.com/resources/consider-before-sharing-financial-data): Data security is of the utmost concern for small business owners, particularly when it comes to financial information. Though you likely protect sensitive
- [What To Do if Your Loan Application Was Declined](https://www.ondeck.com/resources/if-loan-application-declined): Small business financing is often necessary to help grow and expand your business. If you recently applied for a small business loan but received an
- [How to Dispute Errors on Your Credit Report](https://www.ondeck.com/resources/dispute-errors-credit-report): Business and personal credit can affect your small business in several ways. Good credit can help you secure more affordable funding to help run and grow
- [Every State’s Top Import and Export](https://www.ondeck.com/resources/every-states-top-import-export): No matter what’s going on in the world politically and economically, people will always need to trade – and the US will still rely on imports and exports
- [Why You Should Develop a Relationship With a Lender](https://www.ondeck.com/resources/why-develop-relationship-lender): Although you may not have immediate plans to secure additional funding after taking out a small business loan, it’s important to consider your future
- [Understanding Electronic Bank Statements](https://www.ondeck.com/resources/understanding-electronic-bank-statements): Business bank statements are critical to the business lending process. Before a lender can make a decision on a small business loan application, they will Business bank statements are critical to the business lending process. Find the answers to common questions about sending and receiving bank statements electronically.
- [Why Your Personal Credit Matters When You Apply for a Business Loan](https://www.ondeck.com/resources/why-personal-credit-matters): When you apply for a business loan, you can expect to answer a variety of questions about your business’s revenue, financing goals and credit history.
- [How To Prepare for Your Next Round of Financing](https://www.ondeck.com/resources/prepare-next-round-financing): Running a business often means assessing your needs for the future. If you’re looking to expand or pivot, you may...
- [How to Choose the Right Type of Business Loan for Your Needs](https://www.ondeck.com/resources/how-to-choose-loan): If you’re in the market for business funding, you may find that there are several different types of business loans...
- [How Small Businesses Are Taxed in Every Country](https://www.ondeck.com/resources/how-small-businesses-taxed-every-country): As global trade becomes more interdependent, countries have increasingly used corporate tax rates as a way to attract international business...
- [Thriving Through the Dry Spells: An OnDeck Success Story Video](https://www.ondeck.com/resources/thriving-through-the-dry-spells-an-ondeck-success-story-video): Mark runs a consulting company that helps businesses improve their applications. His business, CF Webtools, would regularly hit a dry spell during the
- [The BIPOC Business Report: Where is the BIPOC Population Most Underserved?](https://www.ondeck.com/resources/bipoc-business-report): Minority-owned businesses strengthen local economies and communities. They diversify choice and opportunity and challenge industry norms. And the visibility of...
- [How Do You Qualify for a Business Loan?](https://www.ondeck.com/resources/qualify-business-loan): Running a business often requires additional funding to help see your vision through. However, qualifying for a business loan involves more than simply
- [Can I Open a Business Bank Account Without a Deposit?](https://www.ondeck.com/resources/can-i-open-business-bank-account-without-deposit): While many business banks require an opening deposit to open a new account, you can still find financial institutions that do not require a minimum
- [What Type of Business Bank Account Do I Need?](https://www.ondeck.com/resources/what-type-business-bank-account-do-i-need): If you’re a small business owner, the U.S. Small Business Administration recommends opening a business bank account to manage your business expenses
- [The Oldest Business In 89 US Cities](https://www.ondeck.com/resources/oldest-business-89-us-cities): It took more than toughness for a small business to survive Covid-19. Business leaders needed to be nimble, bold, and yet careful. Each company needed its
- [Customer Story: Bilingual Child Care and Education Center](https://www.ondeck.com/resources/customer-story-bilingual-child-care-and-education-center): What drove you to start your small business? For our customer Leah Retamozo, the 2008 economic crash led her to...
- [How a Business Bank Account Can Help Grow Your Business](https://www.ondeck.com/resources/how-business-bank-account-can-help-grow): Running a successful small business takes a great deal of patience, dedication and hard work. Occasionally, nonurgent tasks may take a back seat to other
- [Do You Need a Business Bank Account?](https://www.ondeck.com/resources/do-you-need-business-bank-account): If you’re opening a new small business, you have a lot to manage. From creating a business plan to budgeting, tracking income and finding funding for your
- [15 Leadership Lessons from Female Founders and CEOs](https://www.ondeck.com/resources/15-leadership-lessons-female-founders-ceos): When Lisa Su was 10 years old, she used to take apart her brother’s remote-control cars and put them back...
- [Top Sources of Capital for Small Businesses](https://www.ondeck.com/resources/sources-of-capital-for-small-businesses): According to pre-pandemic data published by Federal Reserve Banks, 85% of small business applicants who sought funding in the past...
- [A Small Business Guide to Shopify](https://www.ondeck.com/resources/small-business-guide-shopify): Read our guide for small businesses getting started on Shopify, including tips to bring customers to your store and keep them coming back!
- [The Work Routines of 40 Successful Business Leaders](https://www.ondeck.com/resources/work-routines-40-successful-business-leaders): Curious how your productivity compares to others? Here's what 40 successful business leaders are doing during each hour of the day.
- [What Are the Most Popular Small Business Funding Options?](https://www.ondeck.com/resources/popular-small-business-funding-types): Without a sizable savings account balance and/or reliable monthly revenue, most small businesses need some sort of funding to operate...
- [How the American Rescue Plan Can Benefit Your Small Business](https://www.ondeck.com/resources/how-american-rescue-plan-benefits-small-business): On March 11, 2021, the American Rescue Plan Act advanced emergency COVID-19 relief programs and assistance for individuals and small businesses across the
- [Today’s Small Business Loan Rates](https://www.ondeck.com/resources/todays-small-business-loan-rates): Running a small business in today’s economy requires a great deal of dedication, persistence and hard work. Sometimes, you might need additional funding
- [Everything You Should Know About Installment Loans](https://www.ondeck.com/resources/everything-you-should-know-about-installment-loans): If you’re at all familiar with loan products, you know that there are often different names for the same type of product. For example, “payday loans”
- [Operating a Small Business in the ‘New Normal’: Musicians Headquarters](https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-musicians-headquarters): We recently spoke with OnDeck customer Henry Lee, who owns Musicians Headquarters in Balch Springs, TX. He has used his OnDeck financing to stock up on inventory and manage cash flow through slow sales periods.
- [Operating a Small Business in the ‘New Normal’: NirvanaNour](https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-nirvananour): We recently spoke with OnDeck customer Melissa Diabate, who owns NirvanaNour in Houston, TX. She has used her OnDeck financing to stock up on inventory to meet demand during the pandemic.
- [Operating a Small Business in the ‘New Normal’: Gyro Oasis Deli & Grill](https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-gyro-oasis-deli-grill): We recently spoke with OnDeck customer Ghassan Bilaih, who operates Gyro Oasis Deli & Grill in Irving, TX. Ghassan used his OnDeck financing to upgrade his equipment and to have his restaurant operate safely during COVID.
- [Survey: How Coronavirus Has Impacted Small Businesses ](https://www.ondeck.com/resources/survey-how-coronavirus-has-impacted-small-businesses): The COVID-19 (coronavirus) pandemic has hit small businesses in the U.S. particularly hard. Many are facing issues such as forced closures due to lockdown
- [What is an SBA Economic Injury Disaster Loan and How Do I Apply?](https://www.ondeck.com/resources/what-is-an-sba-economic-injury-disaster-loan-and-how-do-i-apply): An intro guide to SBA economic injury disaster loans and COVID-19. Learn how your small business can benefit from these solutions.
- [5 Ways to Solve Small Business Cash Flow Problems During COVID-19](https://www.ondeck.com/resources/5-ways-to-maximize-cash-flow-during-the-covid-19-outbreak): The coronavirus pandemic and resulting lockdowns can be very challenging for small business owners. Keep reading for 5 ways to keep small business cash flow as strong as possible during the COVID-19 outbreak.
- [Local and State Government Assistance Programs for Small Businesses Impacted by COVID-19](https://www.ondeck.com/resources/government-assistance-programs-for-small-businesses-during-the-covid-19-outbreak): The worldwide COVID-19 outbreak is an especially challenging situation for small business owners. Learn more about the different support programs available at a local, state and federal level.
- [Risks Small Businesses Face and How to Avoid Them](https://www.ondeck.com/resources/risks-small-businesses-face-and-how-to-avoid-them): Running a small business comes with a lot of liability, no matter what industry you work in. Even the most optimistic entrepreneur should be prepared for
- [Why Small Businesses Are Important to Their Local Communities](https://www.ondeck.com/resources/why-small-businesses-are-important): In honor of Small Business Saturday, we conducted our second annual Small Business Community Impact Survey to highlight all the ways small businesses are an important part of their local communities.
- [How to Get a Veteran-Owned Business Certification](https://www.ondeck.com/resources/how-to-get-a-veteran-owned-business-certification): Getting a veteran-owned business certification can help you win more business from both government agencies and corporations - learn more about how to get certified.
- [How The William Everett Group Grew 10x in 5 Years](https://www.ondeck.com/resources/how-the-william-everett-group-grew-10x-in-5-years): Learn how Ellen Rozelle Turner has grown the William Everett Group to 100 consultants and 10 times the size in 5 years by tapping into her family values.
- [How to Prepare Your Business for the Holiday Season](https://www.ondeck.com/resources/how-to-prepare-your-business-for-the-holiday-season): If your business’ busy season hits during the holidays, then you already know it’s never too early to start thinking...
- [Bookkeeping Habits That Can Increase Your Cash Flow](https://www.ondeck.com/resources/bookkeeping-habits-that-can-increase-your-cash-flow): A solid bookkeeping system is essential to running a successful business. Implement a few key bookkeeping habits to increase cash flow and decrease stress.
- [Streamline Your Small Business Finances With These 5 Tools](https://www.ondeck.com/resources/5-tools-to-streamline-your-small-business-finances): The right technology is critical to track of your small business finances - check out 5 ways to use technology to streamline your small business finances.
- [How to Use Discounts in Retail Without Cutting into Profits](https://www.ondeck.com/resources/how-to-use-discounts-to-drive-retail-sales-without-cutting-into-your-profits): Running a discount offer can be one of the most effective ways to boost sales. For example, discounts (Black Friday...
- [How Wild Women Winery Built a Thriving Boutique Business with Financing](https://www.ondeck.com/resources/how-wild-women-winery-built-a-thriving-boutique-business-with-financing): Charlene and Ross Meriwether own Wild Women Winery in the heart of downtown Denver, Colorado. The couple built a thriving business in a challenging
- [2019 is the Summer of Small Business at OnDeck](https://www.ondeck.com/resources/summer-2019): We're celebrating the Summer of Small Business by spotlighting the hard work and achievements of our customers all summer long.
- [Managing Your Finances as a Seasonal Business](https://www.ondeck.com/resources/managing-your-finances-as-a-seasonal-business): Cash flow ebbs and flows, but it's more pronounced for a seasonal business. Here's what you need to know about managing financing for a seasonal business.
- [Don’t Mess Up Your FICO Score: Manage Your Revolving Credit Usage](https://www.ondeck.com/resources/dont-mess-up-your-fico-score-manage-your-revolving-credit-usage): Next to reducing delinquencies, managing revolving credit usage is critical to building a strong FICO score. Here are 3 tips on how to optimize your credit score.
- [Does it Make Sense for my Business to Prepay a Loan?](https://www.ondeck.com/resources/does-it-make-sense-for-my-business-to-prepay-a-loan): Repaying a business loan early may seem like an attractive option in certain situations. Depending on the business lender and...
- [Lessons Learned from Other Small Business Owners: Celebrating National Small Business Week](https://www.ondeck.com/resources/lessons-learned-from-other-small-business-owners): In celebration of National Small Business Week, read some of the best advice we’ve gathered from small business owners on building a successfgul business.
- [Don’t Mess Up Your FICO Score: Managing Delinquencies](https://www.ondeck.com/resources/dont-mess-up-your-fico-score-managing-delinquencies): A strong FICO score depends upon staying current on your personal debt obligations, but managing delinquncies will help minimize the damage to your score.
- [Your Ultimate Checklist for Small Business Operations](https://www.ondeck.com/resources/your-ultimate-checklist-for-small-business-operations): Here are 8 simple small business operations, procedures and processes that are necessary to keep your business running smoothly.
- [Cash-Based Accounting vs. Accrual Based Accounting](https://www.ondeck.com/resources/cash-based-accounting-vs-accrual-based-accounting): Small Business accouting can go two ways. The main difference between accrual and cash-based accounting relates to the timing of revenue and expenses.
- [How to Calculate the Cost of a Business Loan](https://www.ondeck.com/resources/comparing-the-costs-of-different-business-loans): Comparing the costs of a short-term loan to a long-term loan or a merchant cash advance to a line of...
- [Why Should I Buy from You? Creating A Sales Strategy](https://www.ondeck.com/resources/why-should-i-buy-from-you-creating-a-sales-strategy): Creating an effective sales strategy should fulfill your business goals to increasing your company’s customer or client base.
- [Demystifying Business Insurance](https://www.ondeck.com/resources/demystifying-business-insurance): A lot of entrepreneurs are put off when the topic of insurance comes up. They think it’s another item to be added to the already long list of expenses. It
- [Keeping it Simple: How Staying Organized Will Save You Time](https://www.ondeck.com/resources/keeping-it-simple-how-staying-organized-will-save-you-time): You are probably familiar with the saying “time is money,” but you may not really understand how true it is. Studies show that the average executive
- [The Pros and Cons of Small Business Holiday Bonuses, Gifts, Parties and Time Off](https://www.ondeck.com/resources/the-pros-and-cons-of-small-business-holiday-bonuses-gifts-parties-and-time-off): Tis the season to show your employees you care. The holiday season bring out the warm and fuzzies no matter which holiday people are celebrating. If you
- [401(k)s for Small Businesses](https://www.ondeck.com/resources/401ks-for-small-businesses): 401ks for small busiesses are no longer as cost prohibitive as they once were. Technology has helped lower the paperwork and the cost of these plans.
- [A Small Business Owner’s Guide to Choosing and Using CRM Software](https://www.ondeck.com/resources/a-small-business-owners-guide-to-choosing-and-using-crm-software): Customer Relationship Management software can be a valuable tool for small businesses. Here's how your small business can leverage the value of CRM software
- [How To Get Happy Customers To Write You Online Reviews (2018 Update)](https://www.ondeck.com/resources/how-to-get-happy-customers-to-write-you-online-reviews): Online reviews of your business are extremely important and easier than ever for customers to write, and for potential customers to access.
- [From Journalist to Nurse: Meadowlark Home Care](https://www.ondeck.com/resources/meadowlark-home-care): I banked with them for so long, and they knew how much money I had! It was very frustrating. But then I found OnDeck and they took me on.
- [6 Steps to Improve Your Company’s Competitor Analysis](https://www.ondeck.com/resources/6-steps-improve-companys-competitor-analysis-2018): Competitor analysis is an important part of staying ahead of the competition. Here are six tips for a common sense approach to market analysis.
- [How SWOT Analysis and Other Tools Can Help Your Small Business](https://www.ondeck.com/resources/swot-analysis-tools-can-help-small-business): Help your company stay ahead of the competition and making sure your company is doing everything it can to compete by using a SWOT analysis.
- [A Comprehensive Guide to a Small Business Loan](https://www.ondeck.com/resources/guides-small-business-loans): Small Business Loans Many small businesses rely on a small business loan to fuel growth and other initiatives. Depending upon...
- [Small Business Loan Application Checklist - 2019 Update](https://www.ondeck.com/resources/small-business-loan-application-checklist): Applying for a small business loan is not as complicated as it seems and it doesn’t need to take up...
- [Parental Leave in Small Businesses](https://www.ondeck.com/resources/parental-leave-small-businesses): Parental leave doesn't have to be a challenge to your small business. Here are 3 things to consider as you contemplate parental leave in your business.
- [How Your Small Business Can Strategically Invest in Automation](https://www.ondeck.com/resources/small-business-can-strategically-invest-automation): You don't need to be a big company with a big budget to invest in automation. Here are 5 places your small businesses can automate with ideas for how.
- [4 Winning Strategies to Speed Up the Sales Cycle](https://www.ondeck.com/resources/4-winning-strategies-speed-up-the-sales-cycle): Your sales cycle length has a critical effect on your company’s performance. Here are four winning strategies to speed up the sales cycle in your business.
- [Cash Flow: What Business Owners Should Know](https://www.ondeck.com/resources/cash-flow-business-owners-know): Cash flow is the life blood of every business. Without cash, it’s hard to purchase inventory, pay employees, and ultimately...
- [4 Ways to Recover From A Rejected Loan Application](https://www.ondeck.com/resources/4-ways-to-recover-from-a-rejected-loan-application): Your business loan application was rejected. Now what? Learn what you can do to make sure you have a better chance to get your loan approved next time.
- [3 Effective Sales Tactics for Small Businesses](https://www.ondeck.com/resources/3-effective-sales-tactics): Sales is the heartbeat of most small businesses. These effective sales tactics allow you to run your business efficiently and increase your productivity.
- [11 Effective Small Business Efficiency Tools to Increase Your Revenue](https://www.ondeck.com/resources/11-effective-efficiency-tools-increase-revenue): Maximize your time and revenue with these effective efficiency tools. Run your business smarter and gain time to work on your business growth.
- [Maximizing Small Business Efficiency](https://www.ondeck.com/resources/maximizing-small-business-efficiency): I think it’s human nature to look for big solutions to challenges—the silver bullet. Unfortunately, in most situations, I’m not...
- [Smart Business Growth Strategies for Small Business Success](https://www.ondeck.com/resources/smart-business-growth-strategies): Pursuing Smart Business Growth Strategies. As a small business owner, I observed that my business seemed to either be growing or struggling.
- [Making the Most of Friends and Family Business Loans](https://www.ondeck.com/resources/friends-and-family-business-loans): Friends and family business loans can be challenging without the right approach. Here are 7 ways to make borrowing from friends or family a success.
- [What You Need to Know About an SBA Loan](https://www.ondeck.com/resources/sba-loans): Although the SBA (U. S. Small Business Administration) isn’t a lender, it has guaranteed millions of small business loans since...
- [Building a Virtual Sales Team from the Ground Up](https://www.ondeck.com/resources/building-virtual-sales-team-ground): In today’s mobile economy, workforces are increasingly deployed remotely, and a virtual sales team is becoming the norm. Here's what you need to know.
- [Important Small Business Financial Metrics You Need to Know](https://www.ondeck.com/resources/financial-metrics): You don't need to be an account to run a successful business, but there are 5 important small business financial metrics you need to know. Here they are.
- [12 Free Online Small Business Resources You Shouldn't Ignore](https://www.ondeck.com/resources/online-small-business-resources): Small and medium-sized businesses (SMBs) know how to stretch a dollar to make it go as far as possible. Whether...
- [Small Business, Smaller Small Business Budget?](https://www.ondeck.com/resources/small-business-smaller-budget): The rate of small business failure is trending downward, Entrepreneur reports. Part of this trend stems from savvy business owners...
- [Understanding Non-Profit Lenders](https://www.ondeck.com/resources/understanding-non-profit-lenders): Non-profit lenders can be a good fit for very small businesses that can leverage smaller loan amounts to create a...
- [Why is Your Personal Credit Score Part of a Business Loan Decision?](https://www.ondeck.com/resources/why-is-your-personal-credit-score-part-of-a-business-loan-decision): For most small business owners the need to have a good personal credit score never goes away. Learn how it's calculated, how you can improve it, and why it's a part of your business loan application.
- [Why was my loan application denied?](https://www.ondeck.com/resources/loan-application-denied): If you've ever asked the question, "Why was my loan application denied? " Check out this list of answers and...
- [Understanding Equity Financing](https://www.ondeck.com/resources/understanding-equity-financing): What is equity financing and does it make sense for my business? What types of equity financing is available and what businesses that have the most success?
- [What You Need to Know About Invoice Factoring](https://www.ondeck.com/resources/need-know-invoice-factoring): Although factoring has been around for a long time and is the way many businesses acquire short-term capital, it isn't a loan. Here's what you need to know.
- [Small Business Success: Vortic Watch Company](https://www.ondeck.com/resources/small-business-success-vortic-watch-company): Tips for Making Smart Inventory & Equipment Purchases: An Interview with RT Custer, Co-Founder of Vortic Watch Company Let me introduce you to the
- [5 Ways to Re-Energize and Push Your Business Forward](https://www.ondeck.com/resources/5-ways-to-re-energize-and-push-your-business-forward): Business growth doesn't just happen. Check out these small business tips from Barbara Corcoran that will help you build a healthy and thriving business.
- [Insurance 101: Insurance Your Business Needs Now](https://www.ondeck.com/resources/insurance-101-insurance-your-business-needs-now): Starting a new business isn’t easy. Many first-time business owners do not realize how much goes into starting a new venture. Branding, logo-creation,
- [OnDeck Seal of Approval Winners](https://www.ondeck.com/resources/ondeck-seal-of-approval-winners): We are so excited to share the winners for the OnDeck Seal of Approval Contest. For the second year in a row, OnDeck worked with Barbara Corcoran to give
- [7 Better Ways to Train Small Business Employees](https://www.ondeck.com/resources/7-better-ways-to-train-small-business-employees): Even if they come with years of experience, every new employee you hire needs training. But all too often, small...
- [5 Crucial Elements of the Perfect Elevator Pitch](https://www.ondeck.com/resources/5-crucial-elements-of-the-perfect-elevator-pitch): It’s tempting to prioritize your startup’s elevator pitch somewhere between watering the office ficus and ordering extra paper towels for the break room.
- [OnDeck's Seal of Approval Contest](https://www.ondeck.com/resources/ondecks-seal-of-approval): Take your business to the next level! Enter with OnDeck to win $10K and a coaching session with Barbara Corcoran from Shark Tank.
- [26 Productivity Tips for Small Business Owners](https://www.ondeck.com/resources/33-productivity-tips-for-small-business-owners): According to the Federal Reserve Bank of New York, the average business owner spends 26 hours in total looking for financing. With that number in mind, here are 26 productivity tips for small business owners to make their days as efficient as possible. 
- [The Pros and Cons of Taking On a Business Partner](https://www.ondeck.com/resources/the-pros-and-cons-of-taking-on-a-business-partner): Many business owners consider taking on a business partner a good idea. Is it right for you and your business? Here are some pros and cons to consider.
- [A Guide to OnDeck Business Credit Reporting](https://www.ondeck.com/resources/a-guide-to-ondeck-business-credit-reporting): Understanding your business credit profile A key measure of your business’ financial health is your business credit profile. We want...
- [7 Ways the Government Could Help Your Small Business](https://www.ondeck.com/resources/7-ways-the-government-could-help-your-small-business): For business owners, it can be easy to think of the government as a giant hassle. There’s all that red...
- [14 Questions You Should Ask Before You Get a Small Business Loan](https://www.ondeck.com/resources/14-questions-you-should-ask-before-you-get-a-small-business-loan): There are 14 questions you should ask before you get a small business loan.The answers will help you know where to apply and how muchto ask for.
- [Should You Sell Your Goods at a Flea Market or Crafts Fair?](https://www.ondeck.com/resources/should-you-sell-your-goods-at-a-flea-market-or-crafts-fair): Handmade crafts are enjoying a heyday in the U.S. Etsy is seeing $2 billion in sales a year, which may soon be eclipsed by the fast-growing newcomer,
- [5 Keys to Delegating as a Small Business Owner](https://www.ondeck.com/resources/5-keys-to-delegating-as-a-small-business-owner): Delegation is an important skill a small business owner needs to have to be successful. Here are 5 keys to delegating every owner needs to master
- [6 Small Business Podcast Recommendations](https://www.ondeck.com/resources/6-small-business-podcast-recommendations): You might think of podcasts as pure entertainment, stories to listen to on your commute or at the gym. But today’s heyday of podcasting is bringing a
- [20 Business Tasks That Can Be Automated](https://www.ondeck.com/resources/20-business-tasks-you-can-easily-automate): Taking routine, recurring tasks off your to do list is essential for your productivity. Some of these business tasks can be automated, while others on your list may need to be delegated to employees. Read on for 20 business tasks that can be easily automated.
- [Meet the Barbara Corcoran Seal of Approval Contest Winners](https://www.ondeck.com/resources/barbara-corcoran-seal-of-approval-contest-winners): This is a sponsored post written by me on behalf of On Deck Capital, Inc. My passion is business, and I am especially passionate about helping
- [Open or Shut? How Small Businesses Owners Pick Business Hours](https://www.ondeck.com/resources/open-or-shut-how-small-businesses-owners-pick-business-hours): A sign with opening hours is one of the fixtures of a small business storefront. But “open” and “closed” are not quite as black and white as they appear
- [5 Clues to Help You Know if You May Qualify for an SBA Loan](https://www.ondeck.com/resources/5-clues-to-help-you-know-if-you-may-qualify-for-an-sba-loan): Fiscal year 2015 was a good year for SBA lenders. While the SBA is not a direct lender, they guaranteed...
- [A Guide to Financing for Women-Owned Businesses](https://www.ondeck.com/resources/5-financing-tips-women-business-owners): Women-owned businesses are the fastest growing segment of entrepreneurs in the United States and account for roughly 40 percent of...
- [When Should Small Businesses Decorate for the Holidays?](https://www.ondeck.com/resources/when-should-small-businesses-decorate-for-the-holidays): 40 percent of shoppers start their holiday gift buying before Halloween. If your customers are ready for Santa in October, should you be too?
- [How to Start a Veteran-Owned Business](https://www.ondeck.com/resources/start-veteran-owned-business): Founding new business can be difficult; for military veterans, however, the process of starting a business will seem quite natural, since your military training and service gives you advantages many entrepreneurs lack. Here are some tips on how to start a veteran-owned business.
- [Improving a Good Credit Score to Make it Great](https://www.ondeck.com/resources/improving-good-credit-score-make-great): There’s no question, in many situations a business owner’s personal credit score has an impact on his or her ability to get a small business loan. While
- [Loan Stacking is Bad for Your Business](https://www.ondeck.com/resources/loan-stacking-bad-business): Have you heard of loan stacking? If you’re unfamiliar with the term, loan stacking is where a loan or cash advance is approved on top of a loan or advance
- [3 Common Business Payroll Mistakes to Avoid](https://www.ondeck.com/resources/3-small-business-payroll-mistakes-avoid): Handling payroll for your small business can be stressful. Here are some of the most common business payroll mistakes and how you can overcome them.
- [Cash Flow Problems? Here’s What You Need to Know](https://www.ondeck.com/resources/cash-flow-problems-heres-need-know): We all know how important cash flow is. A steady stream of income that’s more than enough to cover expenses is what helps us stay in business--it’s what
- [Looking for a Small Business Loan? Loan Purpose Matters](https://www.ondeck.com/resources/looking-small-business-loan-loan-purpose-matters): There are more options available today for a small business loan, but understanding your loan purpose will help you find the right loan.
- [How to Create a Small Business Budget](https://www.ondeck.com/resources/budgeting-forecasting-whats-difference): Create a small business budget by tackling these two important tasks: budgeting your dollars and forecasting how your business will behave in the year ahead.
- [Protect Your Business Against Identity Theft](https://www.ondeck.com/resources/protecting-business-identity-theft): Identity theft is a hot topic and a big concern for many people these days. It seems like we regularly hear about personal data being stolen from one
- [6 Outstanding Online Invoicing Tools for Your Business](https://www.ondeck.com/resources/6-outstanding-online-invoicing-tools-business): Invoicing is an essential part of business operations. Whether you run a one-person shop, a brick-and-mortar operation, or a growing business with
- [Got Student Loans? You Can Still Own a Small Business](https://www.ondeck.com/resources/got-student-loans-can-still-small-business): Student debt can create a daunting financial maze for would-be small business owners. Recent research shows that regions where the population carries
- [5 Success Stories that Prove Economic Crises Aren’t Always Bad for Business](https://www.ondeck.com/resources/economic-crises-business): Boom times don’t last forever. But In fact, economic recessions are not all bad news for businesses. Find out why and see which companies make the most...
- [3 Ideas to Tackle a Slow Summer Slump](https://www.ondeck.com/resources/4-ideas-tackle-slow-summer-slump): Experiencing a summer sales slump? Here are 4 tips to tackle a slow summer slump and keep on track with your business goals.
- [5 Tips to Help You Qualify for a Business Credit Card](https://www.ondeck.com/resources/5-tips-help-qualify-business-credit-card): The temptation to use personal credit to pay for business expenses can be tempting for many small business owners—particularly when other small business
- [4 Rules for Handling Conflicts With Your Business Partner](https://www.ondeck.com/resources/4-rules-handling-conflicts-business-partner): Working with a partner has it rewards and its challenges—you might not always agree. So here are 4 rules for handing conflicts with your business partner.
- [When You Need to Get a Business Loan Fast](https://www.ondeck.com/resources/fast-small-business-loans-2): There are times when a small business owner can't wait weeks or months to find a loan for his or her business—they need a fast business loan.
- [Is a Business Debit Card a Good Idea?](https://www.ondeck.com/resources/corporate-debit-card-good-idea): San Francisco startup, Bento, think their new prepaid MasterCard (that acts like a debit card) is just the ticket for startups whose employees purchase equipment, supplies, services, or company travel.
- [Where Do Startups Really Get the Money to Start?](https://www.ondeck.com/resources/startups-really-get-money-start): If you’ve put your faith in what I call the “Myth of the Shark Tank,” you may be surprised at where most start-ups get cash to start...
- [3 Likely Reasons Your Business Loan Application Got Rejected](https://www.ondeck.com/resources/three-likely-reasons-business-loan-application-got-rejected): Not all lenders look at the same criteria when evaluating whether or not they’ll approve a small business loan, but here are three red flags
- [The #1 Way to Up Productivity for Your Small Business that You’re Probably Not Doing](https://www.ondeck.com/resources/1-way-productivity-small-business-youre-probably-not): It’s a proven fact: employees who are engaged at work (meaning that they are motivated, committed, and satisfied) are more productive at their jobs.
- [How Do You Pay Your Salespeople?](https://www.ondeck.com/resources/pay-salespeople): How do you compensate a sales team? Salespeople can make or break your business. But knowing how to property incentivize them can be tricky.
- [5 Business (Types) That Are Perfect For Crowdfunding](https://www.ondeck.com/resources/5-business-types-perfect-crowdfunding): Crowdfunding is one of the more empowering developments of the Internet age. Through the connected power of the masses, aspiring entrepreneurs can get
- [Small Business Lending: Does Your Business Qualify for an SBA Loan?](https://www.ondeck.com/resources/small-business-lending-business-qualify-sba-loan): Will your business qualify for an SBA loan? Here are four questions the loan officer will ask before he or she says "Yes."
- [Does My Age Affect My Personal Credit Score? (2019 Update)](https://www.ondeck.com/resources/age-affect-personal-credit-score): It's not the number of birthdays, but the age of your oldest credit account and the average age of all the others that affect your personal credit score.
- [Ask These 4 Questions to Find the Right Loan for Your Small Business](https://www.ondeck.com/resources/ask-4-questions-find-right-loan-small-business): When most people think of a small business loan, they think of a term loan at the bank—but there are...
- [9 Current NFL Players Who Run Small Businesses](https://www.ondeck.com/resources/10-current-nfl-players-run-small-businesses): Kudos to these 10 current NFL players who are also small business owners.
- [Will Credit Monitoring Hurt Your Credit Score?](https://www.ondeck.com/resources/will-credit-monitoring-hurt-credit-score): Credit monitoring will not hurt your credit score and is a good idea to do at least annually.
- [3 Ways to Win Government Contracts](https://www.ondeck.com/resources/3-ways-win-government-contracts): On a typical day, there are between 25,000 and 30,000 active government contracts available on the Federal Business Opportunities website....
- [The 3 Most Effective Ways to Get Vendor Discounts](https://www.ondeck.com/resources/leverage-vendor-discounts-increase-profits): Creating successful relationships with vendors is every bit as important as the relationships you build with your customers.
- [4 Reasons Small Businesses Don’t Rely On Black Friday](https://www.ondeck.com/resources/5-reasons-small-businesses-dont-rely-black-friday): While you may be inundated with emails and ads about Black Friday, Small Business Saturday is the real focus for small businesses in the U.S. Learn why small business owners tend to bypass Black Friday promotions.
- [7 U.S. Presidents Who You Never Knew Ran Small Businesses](https://www.ondeck.com/resources/7-u-s-presidents-never-knew-ran-small-businesses): You might be surprised to learn there have been several US Presidents who ran small businesses —in addition to President Trump. Here are seven more.
- [8 Celebrities You'll Be Surprised to Know Own Small Businesses](https://www.ondeck.com/resources/8-celebrities-youll-surprised-know-small-businesses): As Us Weekly would put it, “Stars: they’re just like us!” – and that’s true in business too. These eight celebrities have created and grown small
- [7 Awesome Facts about Veteran Small Business Owners](https://www.ondeck.com/resources/7-awesome-facts-veteran-small-business-owners): In honor of Veteran's Day, OnDeck is celebrating veteran small business owners all month long. Here are seven awesome facts about veteran small business
- [4 Small Business Certifications You Might Not Know About](https://www.ondeck.com/resources/4-small-business-certifications-might-know): Certifications are important for many types of organizations, especially small businesses that want to work with the U.S. government or receive special
- [Business Financing Through Unconventional Methods](https://www.ondeck.com/resources/business-financing-through-unconventional-methods): For those small business owners that think a small business loan is out of their reach – prepare to be inspired. Jake Fitzsimmons, opened a hamburger bar
- [How the Gender Gap Affects Small Business Loan Approvals](https://www.ondeck.com/resources/how-the-gender-gap-affects-small-business-loan-approvals): If you’re looking to get a small business loan, there are many factors that come into play. Your credit history,...
- [3 Foolproof Ways to Show Lenders you're a Low-Risk Borrower](https://www.ondeck.com/resources/3-foolproof-ways-to-show-lenders-youre-a-low-risk-borrower): Whether you’re looking at a traditional bank, or a nonbank lender like OnDeck, applying for a small business loan is all about illustrating your overall
- [The Coolest Small Businesses in America](https://www.ondeck.com/resources/the-coolest-small-businesses-in-america): We think every small business is “cool”, but the list below takes cool to a whole new level. - The Blue Starlite Mini Urban Drive-In, a miniature drive-in
- [Crucial Guidance for Women Business Enterprise (WBE) Certifications](https://www.ondeck.com/resources/crucial-guidance-women-business-enterprise-wbe-certifications): Most government agencies, including city, state and national entities, as well as public companies, allocate a certain percentage of business...
- [The 5 Best Compliments To Hear As A Small Business Owner](https://www.ondeck.com/resources/5-best-compliments-hear-small-business-owner): Small businesses like to be recognized by their customers. These 5 small business compliments, tell you your business is heading in the right direction.
- [Social Media Best Practices](https://www.ondeck.com/resources/social-media-best-practices): Social media offers businesses massive opportunities. It's a low-cost way to promote your business, engage consumers, and maximize your company's online
- [What is Receivables Financing?](https://www.ondeck.com/resources/receivables-financing): Small business owners have many options when it comes to financing. We have previously discussed peer-to-peer lending, business lines of credit, and
- [Paying Yourself? What Every Business Owner Needs to Know at Tax Time](https://www.ondeck.com/resources/paying-every-business-owner-needs-know-tax-time): Paying yourself as a small business owner can be tricky, but this important task deserves careful consideration. As an integral part of applying for small
- [What Is Peer-to-Peer Lending?](https://www.ondeck.com/resources/peer-peer-lending): There are numerous ways that small business owners can get financing for their business, and peer-to-peer lending is one option. What is peer-to-peer
- [What is a merchant cash advance?](https://www.ondeck.com/resources/merchant-cash-advance-2): Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.

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# Detailed Content


## Pages

- Published: 2025-12-04
- Modified: 2025-12-04
- URL: https://www.ondeck.com/dental-practice-loans
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- Published: 2025-10-23
- Modified: 2025-10-23
- URL: https://www.ondeck.com/aud/spotify
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- Published: 2025-10-03
- Modified: 2025-10-03
- URL: https://www.ondeck.com/ppcn/sba
---

> Terms of Use Updated and effective December 07, 2022 1. OnDeck Terms and Conditions The OnDeck Services and websites (each as defined below) are operated

- Published: 2022-11-21
- Modified: 2024-11-13
- URL: https://www.ondeck.com/terms
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## Resources

- Published: 2025-12-05
- Modified: 2025-12-04
- URL: https://www.ondeck.com/resources/how-do-online-business-loans-work
- Resource Categories: Small Business Financing
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- Published: 2025-12-01
- Modified: 2025-11-26
- URL: https://www.ondeck.com/resources/minority-business-grants
- Resource Categories: Small Business Financing
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- Published: 2025-11-25
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/how-to-apply-for-minority-owned-business-grants
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- Published: 2025-11-07
- Modified: 2025-11-19
- URL: https://www.ondeck.com/resources/profit-margin-calculator
- Resource Categories: Running a Business
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- Published: 2025-11-03
- Modified: 2025-11-19
- URL: https://www.ondeck.com/resources/small-business-saturday
- Resource Categories: Running a Business
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- Published: 2025-11-03
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/revenue-per-employee-ranking
- Resource Categories: Insights and Stories
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- Published: 2025-10-14
- Modified: 2025-11-26
- URL: https://www.ondeck.com/resources/most-popular-women-owned-business-by-state
- Resource Categories: Insights and Stories
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- Published: 2025-10-10
- Modified: 2025-11-26
- URL: https://www.ondeck.com/resources/how-to-establish-and-build-business-credit
- Resource Categories: Small Business Financing
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- Published: 2025-10-08
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/business-tradelines
- Resource Categories: Running a Business
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- Published: 2025-10-06
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/how-to-read-business-credit-report
- Resource Categories: Small Business Financing
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- Published: 2025-10-06
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/states-metros-family-owned
- Resource Categories: Insights and Stories
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- Published: 2025-10-06
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/business-credit-vs-personal-credit
- Resource Categories: Small Business Financing
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- Published: 2025-10-03
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/government-shutdown-sba-loans
- Resource Categories: Small Business Financing
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- Published: 2025-10-01
- Modified: 2025-11-13
- URL: https://www.ondeck.com/resources/national-womens-small-business-month
- Resource Categories: Running a Business
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- Published: 2025-09-26
- Modified: 2025-11-13
- URL: https://www.ondeck.com/resources/build-business-credit-fast
- Resource Categories: Small Business Financing
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- Published: 2025-09-18
- Modified: 2025-11-25
- URL: https://www.ondeck.com/resources/how-long-does-it-take-to-build-business-credit
- Resource Categories: Small Business Financing
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- Published: 2025-08-15
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/how-to-register-as-a-minority-owned-business
- Resource Categories: Running a Business
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- Published: 2025-08-04
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/how-to-qualify-for-a-business-loan
- Resource Categories: Running a Business
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- Published: 2025-07-30
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/woman-owned-business-benefits
- Resource Categories: Running a Business
---

> Learn how to get certified as a women-owned business and unlock benefits like government contracts, networking opportunities and funding resources.

- Published: 2025-07-18
- Modified: 2025-09-08
- URL: https://www.ondeck.com/resources/women-owned-business-certification
- Resource Categories: Running a Business
---

- Published: 2025-07-09
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/business-loan-documents
- Resource Categories: Small Business Financing
---

- Published: 2025-06-30
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/pros-and-cons-business-line-of-credit
- Resource Categories: Small Business Financing
---

- Published: 2025-06-23
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/business-term-loan-vs-line-of-credit
- Resource Categories: Small Business Financing
---

> Learn how to start and manage a seasonal business with expert off-season tips. Discover profitable business ideas for year-round growth.

- Published: 2025-06-17
- Modified: 2025-06-24
- URL: https://www.ondeck.com/resources/seasonal-small-business
- Resource Categories: Running a Business
---

> Discover 18 ways to increase sales. 1. Nail down your value proposition. 2. The sales funnel method. 3. Engage with customers

- Published: 2025-06-10
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/how-to-increase-sales
- Resource Categories: Running a Business
---

> Learn how the biggest companies retain thKeep your top talent with these popular employee retention strategies. Plus, check out these retention lessons from 14 of the world’s largest companies.

- Published: 2025-06-02
- Modified: 2025-06-02
- URL: https://www.ondeck.com/resources/employee-retention
- Resource Categories: Running a Business
---

- Published: 2025-05-30
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/increase-restaurant-sales
- Resource Categories: Running a Business
---

> Use the business loan calculator to figure out how much you can borrow, estimate your payments and determine the cost of borrowing.

- Published: 2025-05-29
- Modified: 2025-06-24
- URL: https://www.ondeck.com/resources/business-loan-calculator
- Resource Categories: Small Business Financing
---

- Published: 2025-05-22
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/restaurant-management-tips-and-tricks
- Resource Categories: Running a Business
---

> Discover the key differences between secured and unsecured business loans, including pros and cons and how to choose the best option for your business needs.

- Published: 2025-05-06
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/secured-vs-unsecured-business-loans
- Resource Categories: Small Business Financing
---

- Published: 2025-04-30
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/what-is-a-business-term-loan
- Resource Categories: Small Business Financing
---

> Efficient business operations is key to running a business that’s always getting better and better at what it does. Here's what you need to know.

- Published: 2025-04-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/what-is-operations
- Resource Categories: Insights and Stories
---

> Discover how small businesses can build competitive benefits packages, including health insurance, retirement plans and perks that attract top talent.

- Published: 2025-04-23
- Modified: 2025-06-04
- URL: https://www.ondeck.com/resources/small-business-employee-benefits
- Resource Categories: Running a Business
---

> Starting and growing a small business often requires access to capital. While some entrepreneurs might have savings to invest, many turn to business loans A small business loan can be secured or unsecured. Here’s what you need to know before you apply.

- Published: 2025-04-21
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/are-small-business-loans-secured-or-unsecured
- Resource Categories: Small Business Financing
---

> Review common business structures such as LLCs, sole proprietorships, and corporations to help you choose the right business structure for your needs.

- Published: 2025-04-16
- Modified: 2025-04-16
- URL: https://www.ondeck.com/resources/business-structure
- Resource Categories: Running a Business
---

> Learn how to advertise your small business effectively with these 15 proven strategies, from social media to SEO and more. Boost your reach today!

- Published: 2025-04-10
- Modified: 2025-04-21
- URL: https://www.ondeck.com/resources/small-business-advertising
- Resource Categories: Running a Business
---

> Discover small business financial management tips. Learn how to streamline finances, boost cash flow and plan for success.

- Published: 2025-04-04
- Modified: 2025-04-03
- URL: https://www.ondeck.com/resources/business-financial-management
- Resource Categories: Running a Business
---

> Celebrate Small Business Week with these 14 ideas — from hosting events to leveraging social media and more. Discover ways to support and grow your business.

- Published: 2025-04-03
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/celebrate-small-business-week
- Resource Categories: Running a Business
---

> Discover proven growth strategies to help your business thrive. Learn how to expand marketing, retain customers, improve products and scale effectively.

- Published: 2025-04-03
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/business-growth-strategies
---

> Want to write a winning business plan? Use these 10 simple, easy-to-follow steps as your guide for crafting a solid business plan.

- Published: 2025-04-02
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-to-write-a-business-plan
---

> Discover essential strategies, skills and tools for effective small business management. Learn how to streamline operations and drive growth with confidence.

- Published: 2025-03-06
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/small-business-management
- Resource Categories: Running a Business
---

> No collateral? No problem! Discover how to secure a small business loan without risking your assets. Explore tips, loan types and eligibility requirements.

- Published: 2025-02-28
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-to-get-a-small-business-loan-without-collateral
- Resource Categories: Small Business Financing
---

- Published: 2025-02-05
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/what-is-collateral-and-do-i-really-need-it-for-a-business-loan
- Resource Categories: Small Business Financing
---

- Published: 2025-02-04
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/business-budget
- Resource Categories: Running a Business
---

> Take on your goals head first. By setting objectives and following through on these key strategies, you’ll be well-positioned to achieve them.

- Published: 2025-01-28
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/small-business-goals
---

- Published: 2025-01-06
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/best-coffee-shops-in-america
- Resource Categories: Insights and Stories
---

- Published: 2025-01-03
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/short-term-business-financing-all-you-need-to-know
- Resource Categories: Small Business Financing
---

> The end of the year can be a busy time for small business owners. Use our small business end of year checklist to help you get organized.

- Published: 2024-11-26
- Modified: 2024-12-02
- URL: https://www.ondeck.com/resources/end-year-checklist-small-businesses
- Resource Categories: Running a Business
---

- Published: 2024-11-25
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/best-place-to-start-a-small-business
- Resource Categories: Insights and Stories
---

> Get inspired with unique holiday party ideas for small businesses! From themed parties to gift exchanges, learn how to plan a festive, memorable event.

- Published: 2024-11-15
- Modified: 2024-11-15
- URL: https://www.ondeck.com/resources/how-to-throw-the-ultimate-work-holiday-party
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2024-11-12
- Modified: 2025-12-11
- URL: https://www.ondeck.com/resources/how-retailers-can-maximize-holiday-season-sales
- Resource Categories: Small Business Financing
---

> Discover how many business credit cards you should have, the benefits of multiple cards, and how they impact your business credit score.

- Published: 2024-11-07
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/how-many-business-credit-cards-is-too-many
- Resource Categories: Small Business Financing
---

> Discover the U.S. cities with the most loved independent stores, where unique boutiques and local shops thrive.

- Published: 2024-11-04
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/favorite-small-businesses
- Resource Categories: Insights and Stories
---

> Learn what you need to do to get a business credit card that is right for your small business.

- Published: 2024-10-30
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/how-to-get-a-business-credit-card
- Resource Categories: Small Business Financing
---

> A business credit card is a financial tool business owners use to cover expenses and manage cash flow. See if it’s right for your business.

- Published: 2024-10-24
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/understanding-business-credit-cards
- Resource Categories: Small Business Financing
Business credit cards are a popular way for small businesses to access credit. Here's what you need to know to take advantage of a business credit card.

---

> Types of business bank accounts include checking, saving, money market and merchant accounts.

- Published: 2024-10-17
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/types-of-business-bank-accounts
- Resource Categories: Running a Business
---

> If you’re weighing whether or not you need to open a business checking account, you’ll want to understand what you’ll need and how it can help your business.

- Published: 2024-10-03
- Modified: 2024-10-03
- URL: https://www.ondeck.com/resources/what-do-i-need-open-business-bank-account
- Resource Categories: Small Business Financing
---

> Revenue-based financing is a non-traditional funding option with some pros and cons. See if RBF could be right for your small business.

- Published: 2024-09-25
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/revenue-based-financing
- Resource Categories: Small Business Financing
---

> Discover which types of restaurants face the fiercest competition across the U.S. and in major U.S. cities.

- Published: 2024-09-23
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/what-is-the-most-popular-type-of-restaurant
- Resource Categories: Insights and Stories
---

> Common business terms include A/B testing, accounts receivable, acquisition, actuary, affiliate marketing and more.

- Published: 2024-09-18
- Modified: 2024-11-18
- URL: https://www.ondeck.com/resources/business-terms-to-know
- Resource Categories: Running a Business
---

> Alternatives to merchant cash advances include online business loans, lines of credit, SBA loans, equipment loans and more. See what works best for you.

- Published: 2024-09-10
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/merchant-cash-advance-alternatives
- Resource Categories: Small Business Financing
---

> Operational effectiveness is about optimizing business processes, resources and talent to gain a competitive edge and succeed. Use these expert tips to start.

- Published: 2024-09-04
- Modified: 2025-06-10
- URL: https://www.ondeck.com/resources/effective-operations
- Resource Categories: Running a Business
---

> An operations manual can take your small business to the next level. Learn what they are and how to write one.

- Published: 2024-08-28
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/5-reasons-you-need-a-documented-operations-manual
- Resource Categories: Running a Business
A documented operations manual is a good idea. Here are five reasons you should consider creating one for your small business.

---

> Discover the pros and cons of merchant cash advances, how they work, their impact on credit, and explore alternative financing options for your business.

- Published: 2024-08-22
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/pros-and-cons-merchant-cash-advances
- Resource Categories: Small Business Financing
---

> Consolidating merchant cash advances could simplify your repayments, lower factor rates and help improve credit history. Understand the process and potential risks before deciding if it’s right for you.

- Published: 2024-08-14
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/merchant-cash-advance-consolidation
---

> Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.Learn how to determine the right line of credit amount for your business, including assessing needs, improving limits and budgeting for payments.

- Published: 2024-08-06
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-to-determine-business-line-of-credit-amount
- Resource Categories: Small Business Financing
---

- Published: 2024-08-01
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/uses-for-business-line-of-credit
- Resource Categories: Small Business Financing
---

> Learn how to calculate working capital and stay on top of your business finances.

- Published: 2024-07-31
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/working-capital-formula
- Resource Categories: Small Business Financing
---

> A sale-leaseback is when a company sells an asset (typically real estate or equipment) to an investor or leasing company and leases it back for a set period.

- Published: 2024-07-24
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/sale-leaseback
---

> Massachusetts small businesses offer the highest wages, at an average annual salary of $72,151.

- Published: 2024-07-22
- Modified: 2024-10-25
- URL: https://www.ondeck.com/resources/small-business-employee-salary
- Resource Categories: Insights and Stories
---

> Leasing and buying equipment both have their pros and cons, but which is right for your business?

- Published: 2024-07-16
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/leasing-vs-buying-makes-sense-business
- Resource Categories: Small Business Financing
---

- Published: 2024-07-03
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/sba-loan-with-bad-credit
- Resource Categories: Small Business Financing
---

- Published: 2024-06-20
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/minimum-credit-score-for-business-loan
---

- Published: 2024-06-13
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/business-partner-with-bad-credit
- Resource Categories: Running a Business
---

> As a small business owner, your credit score is a crucial part of your financial identity. Establishing and maintaining strong business credit can help Understanding how credit checks impact your business credit score is important for your financial health.

- Published: 2024-06-04
- Modified: 2025-08-15
- URL: https://www.ondeck.com/resources/do-credit-checks-lower-my-business-credit-score
- Resource Categories: Small Business Financing
---

> A soft credit check for a business loan usually means the lender is pulling a small overview of your personal credit history.

- Published: 2024-05-21
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/what-is-a-soft-credit-check
- Resource Categories: Small Business Financing
---

> Your working capital ratio can help you determine how much working capital you need.

- Published: 2024-05-15
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-much-working-capital-do-i-need
- Resource Categories: Small Business Financing
---

> Establishing and nurturing a small business credit profile is a crucial step toward building healthy business credit.

- Published: 2024-05-06
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/create-small-business-credit-file
- Resource Categories: Small Business Financing
---

> Working capital optimization is the process of managing a business’s short-term assets and liabilities to maintain liquidity.

- Published: 2024-05-01
- Modified: 2024-04-17
- URL: https://www.ondeck.com/resources/working-capital-optimization
- Resource Categories: Running a Business
---

> IBM is America’s most innovative company, with 3,953 patents granted in 2023. California is the most innovative state.

- Published: 2024-04-23
- Modified: 2024-06-12
- URL: https://www.ondeck.com/resources/most-patents-by-company
---

> Working capital is a measure of a company’s liquidity. It’s defined as the difference between your current assets and current liabilities.

- Published: 2024-04-16
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/what-is-working-capital
- Resource Categories: Running a Business
---

> See how everything from your business structure to your retirement plan can help you save money on your business taxes.

- Published: 2024-03-27
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/high-value-tax-strategies-for-small-business-owners
- Resource Categories: Running a Business
---

> Fixed capital includes long-term assets such as real estate, while working capital comprises liquid assets for covering operating expenses.

- Published: 2024-03-26
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/fixed-capital-vs-working-capital
- Resource Categories: Small Business Financing
---

> A good working capital ratio is generally between 1.5 and 2, but your company’s financial picture doesn’t end there.

- Published: 2024-03-20
- Modified: 2024-08-12
- URL: https://www.ondeck.com/resources/what-is-a-good-working-capital-ratio
- Resource Categories: Running a Business
---

> On average, a female freelancer charges just 79 cents for every dollar a male freelancer charges. However, the freelancer pay gap varies significantly between categories.

- Published: 2024-03-20
- Modified: 2024-10-25
- URL: https://www.ondeck.com/resources/pay-gap-gig-economy
- Resource Categories: Insights and Stories
---

- Published: 2024-03-04
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/gross-revenue-vs-net-revenue
- Resource Categories: Running a Business
---

> While big business behemoths like Target and Walmart are ubiquitous across the U.S., America likes to shop small, with nine in 10 of the country’s

- Published: 2024-02-26
- Modified: 2025-02-19
- URL: https://www.ondeck.com/resources/most-trusted-brands
- Resource Categories: Insights and Stories
---

> Hiring good employees takes more than just posting a job opening. Here are some steps you can take to get the top talent.

- Published: 2024-02-14
- Modified: 2025-04-30
- URL: https://www.ondeck.com/resources/make-sure-youre-hiring-the-right-people
- Resource Categories: Running a Business
---

> A personal guarantee makes a borrower personally responsible for a business loan. Lenders use it to create an additional layer of security when considering a loan application.

- Published: 2024-02-06
- Modified: 2025-08-14
- URL: https://www.ondeck.com/resources/understanding-personal-guarantees
- Resource Categories: Small Business Financing
A personal guarantee makes a borrower personally responsible for a business loan. Lenders use it to create an additional layer of security when considering a loan application.

---

> Conquer seasonal rushes with these success strategies from Royal Petals ATL.

- Published: 2024-02-05
- Modified: 2024-04-16
- URL: https://www.ondeck.com/resources/atlanta-florist-blossoms-during-busy-seasons
- Resource Categories: Insights and Stories
---

- Published: 2024-01-31
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/21-financial-terms-you-should-know
- Resource Categories: Small Business Financing
---

> From early morning pancakes to lavish dinners, learn what makes these independent restaurants the most beloved dining spots in America.

- Published: 2024-01-31
- Modified: 2025-08-28
- URL: https://www.ondeck.com/resources/most-popular-restaurants-in-america
- Resource Categories: Insights and Stories
---

- Published: 2024-01-29
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/7-key-keys-to-building-a-good-pricing-strategy
- Resource Categories: Running a Business
---

> A Facebook page is easier to use and cheaper. A website, however, offers your business SEO benefits.

- Published: 2024-01-26
- Modified: 2024-04-16
- URL: https://www.ondeck.com/resources/facebook-page-vs-website-which-use
- Resource Categories: Running a Business
---

> The Corporate Transparency Act marks a major shift in reporting requirements. Noncompliant businesses can face civil or criminal penalties.

- Published: 2024-01-23
- Modified: 2024-04-16
- URL: https://www.ondeck.com/resources/corporate-transparency-act
- Resource Categories: Running a Business
---

> Put AI to work for your small business with our comprehensive guide to generated text, images, audio and video.

- Published: 2024-01-18
- Modified: 2025-04-29
- URL: https://www.ondeck.com/resources/ai-for-small-business
- Resource Categories: Insights and Stories
---

> Your accountant is a valuable resource. Here’s what you should be asking them.

- Published: 2024-01-17
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/6-questions-absolutely-must-ask-accountant-year
- Resource Categories: Running a Business
---

> The term length of equipment financing can depend on many factors. Here’s what you should know.

- Published: 2024-01-11
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/how-long-can-you-finance-equipment
- Resource Categories: Small Business Financing
---

- Published: 2024-01-02
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/annual-operating-plan
- Resource Categories: Small Business Financing
---

> Yes, you can get financing for used equipment, but there may be a few key differences than financing new equipment. Here’s what you need to know.

- Published: 2023-12-27
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/can-i-get-equipment-financing-for-used-equipment
- Resource Categories: Small Business Financing
---

> Does where you live make a difference in how likely you are to start a business?

- Published: 2023-12-06
- Modified: 2025-08-28
- URL: https://www.ondeck.com/resources/countries-with-the-most-entrepreneurs
- Resource Categories: Insights and Stories
---

> Invoice factoring and lines of credit are business funding options, but when it comes to usage, repayment and cost there are some big differences.

- Published: 2023-11-29
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/factoring-vs-line-of-credit
- Resource Categories: Small Business Financing
---

- Published: 2023-11-22
- Modified: 2025-11-19
- URL: https://www.ondeck.com/resources/biggest-us-exports
- Resource Categories: Insights and Stories
---

> A business line of credit is a flexible form of financing tailored to serve your business. Learn why getting a line of credit designed for businesses and not personal use is important.

- Published: 2023-11-15
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/personal-line-of-credit-vs-business-line-of-credit
- Resource Categories: Small Business Financing
---

> Discover how and when a business line of credit can affect your personal credit.

- Published: 2023-11-07
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/does-a-business-line-of-credit-affect-personal-credit
- Resource Categories: Small Business Financing
---

- Published: 2023-11-01
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/what-is-a-revolving-line-of-credit
- Resource Categories: Small Business Financing
---

> A small business loan can be either installment or revolving. Learn the differences so you can pick the right one!

- Published: 2023-10-18
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/is-small-business-loan-installment-or-revolving
- Resource Categories: Small Business Financing
---

- Published: 2023-10-11
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/which-company-produced-the-most-ceos
- Resource Categories: Insights and Stories
---

- Published: 2023-10-10
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/from-rio-to-kauai-giseles-entrepreneurial-journey
- Resource Categories: Insights and Stories
---

> The net income formula helps you determine how much your business nets. To calculate net income, subtract total expenses from total revenue.

- Published: 2023-09-08
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/net-income-formula
- Resource Categories: Running a Business
---

> In today’s globalized world, industry production overwhelmingly dictates the health of our economies. Institutions like the International Monetary Fund

- Published: 2023-08-02
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/biggest-industries-in-the-world
- Resource Categories: Insights and Stories
---

> Learn how to market your business and gain an edge over your competitors by creating compelling content.

- Published: 2023-07-06
- Modified: 2024-03-04
- URL: https://www.ondeck.com/resources/small-business-owners-need-know-content-marketing
- Resource Categories: Running a Business
---

> Discover the key factors that define a good business credit score and unlock potential for growth and financial success.

- Published: 2023-06-20
- Modified: 2025-08-15
- URL: https://www.ondeck.com/resources/business-credit-score-actually-mean
- Resource Categories: Small Business Financing
---

> Email marketing can have a big impact on your business. Learn how to create an effective strategy with our guide.

- Published: 2023-06-07
- Modified: 2025-03-20
- URL: https://www.ondeck.com/resources/small-business-best-practices-email-marketing
- Resource Categories: Running a Business
---

> Master social media marketing with our comprehensive guide. Discover effective strategies, tips and tools to boost your online presence and drive business growth!

- Published: 2023-06-07
- Modified: 2025-04-22
- URL: https://www.ondeck.com/resources/5-tips-to-evaluating-your-small-business-social-media-marketing
- Resource Categories: Running a Business
---

> Branding has always been territorial. First, America’s cowboys branded their cattle to warn others to keep their hands off. Then, industrial-era

- Published: 2023-05-24
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/most-loved-brands
- Resource Categories: Insights and Stories
---

> Business owners may be able to deduct the interest on their small business loans on their taxes. Here’s what you need to know.

- Published: 2023-05-02
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/is-business-loan-interest-tax-deductible
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2023-04-26
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/good-profit-margin
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2023-04-25
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/small-business-challenges
- Resource Categories: Insights and Stories
---

- Published: 2023-04-19
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/what-percentage-of-businesses-are-owned-by-women
---

> Grow your small business with these 8 creative and cheap marketing ideas.

- Published: 2023-04-13
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/6-cost-effective-small-business-marketing-ideas
- Resource Categories: Running a Business
---

> Every year, about 1 million new businesses spring up in America, according to the Bureau of Labor Statistics. Something inspires the nation’s

- Published: 2023-03-28
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/reasons-to-start-a-business
---

> ACH payments are designed to make things quick and easy. The money is taken straight from your bank account, which allows for same-day, direct payments between two parties.

- Published: 2023-03-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/ach-payments
- Resource Categories: Small Business Financing
---

> To calculate cost of debt, divide your total interest by your total debt. This formula tells you how much you’re spending on repaying your debt.

- Published: 2023-02-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/cost-of-debt-formula
- Resource Categories: Running a Business, Small Business Financing
---

> Rock small business marketing with leading-edge strategies for social media, email, SEO and more.

- Published: 2023-02-20
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/small-business-marketing
- Resource Categories: Running a Business
---

> The difference between a balance sheet and income statement is the information they cover, plus the period of time they account for. Let’s define a balance sheet and income statement, explain what goes on each document, and review their differences.

- Published: 2023-02-20
- Modified: 2024-04-08
- URL: https://www.ondeck.com/resources/balance-sheet-vs-income-statement
- Resource Categories: Running a Business, Small Business Financing
---

> Every business has to start somewhere, whether a Silicon Valley tech start-up coding from a garage or a local store selling to its first customers. 2021

- Published: 2023-02-09
- Modified: 2025-03-20
- URL: https://www.ondeck.com/resources/growth-hacking
- Resource Categories: Insights and Stories
---

- Published: 2023-01-12
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/companies-that-produce-the-most-business-founders
- Resource Categories: Insights and Stories
---

- Published: 2022-12-05
- Modified: 2025-12-03
- URL: https://www.ondeck.com/resources/do-you-need-a-cofounder
- Resource Categories: Insights and Stories
---

> Stress is one of the largest impediments to business productivity. Research from The American Institute of Stress discovered that 94% of workers report

- Published: 2022-11-09
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/stressful-business-software
- Resource Categories: Insights and Stories
---

> In any workplace and in any industry, effective delegation skills are considered essential. As a manager of a team, you are trusted to assign the right

- Published: 2022-10-26
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/how-to-delegate
- Resource Categories: Insights and Stories
---

- Published: 2022-10-21
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/how-ondeck-can-help
- Resource Categories: Small Business Financing
---

> A lot has happened since email went out of fashion. Media went social. Memes went viral. Influencers influenced. But now, marketing has come full circle.

- Published: 2022-10-12
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/business-newsletter
- Resource Categories: Insights and Stories
---

> When making a decision to approve or deny a loan, lenders look to answer one main question: Will you repay what you borrow? Your lender will ask for

- Published: 2022-10-05
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/documents-apply-financing
- Resource Categories: Small Business Financing
---

> Lenders consider a lot of factors when reviewing a loan application. They look at things like your credit score, your business plan and what you can offer

- Published: 2022-09-28
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/cash-flow-affects-application
- Resource Categories: Small Business Financing
---

> Good business credit can open doors. Just like your personal credit score, a good business credit score can make it easier to get funding and to get it at

- Published: 2022-08-30
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/loans-build-credit
- Resource Categories: Small Business Financing
---

> Without small businesses, every town would feel more or less the same — the same restaurants, the same coffee shops, the same big-name retailers. Small

- Published: 2022-08-18
- Modified: 2024-10-25
- URL: https://www.ondeck.com/resources/reasons-support-small-businesses
- Resource Categories: Running a Business
---

- Published: 2022-08-08
- Modified: 2025-11-19
- URL: https://www.ondeck.com/resources/apps-collect-most-least-data
- Resource Categories: Insights and Stories
---

> Somewhere along the way, the workforce switched its ideals from “a job for life” to “my life is my own.” The side-hustle is all about taking back control,

- Published: 2022-08-03
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/common-side-hustle-mistakes
- Resource Categories: Insights and Stories
---

- Published: 2022-06-14
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/improve-cash-flow-stripe-ondeck
- Resource Categories: Running a Business
---

> When you run a small business, estimating your funding needs can be a difficult task. Occasionally, you may require funds beyond your initial business

- Published: 2022-06-14
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/loan-stacking
- Resource Categories: Small Business Financing
---

> If you’re in need of a small business loan, it’s helpful to know what to expect when you apply. While lenders vary, you can generally expect the same

- Published: 2022-06-06
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/business-loan-application-questions
- Resource Categories: Small Business Financing
---

> Securing small business financing is often a necessary step in running and growing your company. However, with so many small business lenders to choose

- Published: 2022-05-17
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/5-factors-to-consider-when-choosing-a-small-business-lender
- Resource Categories: Small Business Financing
---

> Data security is of the utmost concern for small business owners, particularly when it comes to financial information. Though you likely protect sensitive

- Published: 2022-05-09
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/consider-before-sharing-financial-data
- Resource Categories: Small Business Financing
---

> Small business financing is often necessary to help grow and expand your business. If you recently applied for a small business loan but received an

- Published: 2022-05-09
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/if-loan-application-declined
- Resource Categories: Small Business Financing
---

> Business and personal credit can affect your small business in several ways. Good credit can help you secure more affordable funding to help run and grow

- Published: 2022-05-04
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/dispute-errors-credit-report
- Resource Categories: Small Business Financing
---

> No matter what’s going on in the world politically and economically, people will always need to trade – and the US will still rely on imports and exports

- Published: 2022-04-25
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/every-states-top-import-export
- Resource Categories: Insights and Stories
---

> Although you may not have immediate plans to secure additional funding after taking out a small business loan, it’s important to consider your future

- Published: 2022-03-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/why-develop-relationship-lender
- Resource Categories: Small Business Financing
---

> Business bank statements are critical to the business lending process. Before a lender can make a decision on a small business loan application, they will Business bank statements are critical to the business lending process. Find the answers to common questions about sending and receiving bank statements electronically.

- Published: 2022-03-22
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/understanding-electronic-bank-statements
- Resource Categories: Uncategorized
---

> When you apply for a business loan, you can expect to answer a variety of questions about your business’s revenue, financing goals and credit history.

- Published: 2022-03-10
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/why-personal-credit-matters
- Resource Categories: Small Business Financing
---

- Published: 2022-02-08
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/prepare-next-round-financing
- Resource Categories: Small Business Financing
---

- Published: 2022-01-26
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/how-to-choose-loan
- Resource Categories: Small Business Financing
---

- Published: 2022-01-24
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/how-small-businesses-taxed-every-country
- Resource Categories: Insights and Stories
---

> Mark runs a consulting company that helps businesses improve their applications. His business, CF Webtools, would regularly hit a dry spell during the

- Published: 2022-01-20
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/thriving-through-the-dry-spells-an-ondeck-success-story-video
- Resource Categories: Insights and Stories, Small Business Financing
---

- Published: 2022-01-19
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/bipoc-business-report
- Resource Categories: Insights and Stories
---

> Running a business often requires additional funding to help see your vision through. However, qualifying for a business loan involves more than simply

- Published: 2022-01-13
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/qualify-business-loan
- Resource Categories: Small Business Financing
---

> While many business banks require an opening deposit to open a new account, you can still find financial institutions that do not require a minimum

- Published: 2021-11-12
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/can-i-open-business-bank-account-without-deposit
- Resource Categories: Small Business Financing
---

> If you’re a small business owner, the U.S. Small Business Administration recommends opening a business bank account to manage your business expenses

- Published: 2021-10-08
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/what-type-business-bank-account-do-i-need
- Resource Categories: Small Business Financing
---

> It took more than toughness for a small business to survive Covid-19. Business leaders needed to be nimble, bold, and yet careful. Each company needed its

- Published: 2021-10-04
- Modified: 2024-10-25
- URL: https://www.ondeck.com/resources/oldest-business-89-us-cities
- Resource Categories: Insights and Stories
---

- Published: 2021-09-14
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/customer-story-bilingual-child-care-and-education-center
- Resource Categories: Insights and Stories, Running a Business
---

> Running a successful small business takes a great deal of patience, dedication and hard work. Occasionally, nonurgent tasks may take a back seat to other

- Published: 2021-08-18
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/how-business-bank-account-can-help-grow
- Resource Categories: Small Business Financing
---

> If you’re opening a new small business, you have a lot to manage. From creating a business plan to budgeting, tracking income and finding funding for your

- Published: 2021-08-17
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/do-you-need-business-bank-account
- Resource Categories: Small Business Financing
---

- Published: 2021-08-08
- Modified: 2025-11-19
- URL: https://www.ondeck.com/resources/15-leadership-lessons-female-founders-ceos
- Resource Categories: Running a Business
---

- Published: 2021-07-22
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/sources-of-capital-for-small-businesses
- Resource Categories: Small Business Financing
---

> Read our guide for small businesses getting started on Shopify, including tips to bring customers to your store and keep them coming back!

- Published: 2021-07-18
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/small-business-guide-shopify
- Resource Categories: Running a Business
---

> Curious how your productivity compares to others? Here's what 40 successful business leaders are doing during each hour of the day.

- Published: 2021-04-19
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/work-routines-40-successful-business-leaders
- Resource Categories: Running a Business
---

- Published: 2021-04-06
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/popular-small-business-funding-types
- Resource Categories: Small Business Financing
---

> On March 11, 2021, the American Rescue Plan Act advanced emergency COVID-19 relief programs and assistance for individuals and small businesses across the

- Published: 2021-04-06
- Modified: 2025-06-04
- URL: https://www.ondeck.com/resources/how-american-rescue-plan-benefits-small-business
- Resource Categories: Small Business Financing
---

> Running a small business in today’s economy requires a great deal of dedication, persistence and hard work. Sometimes, you might need additional funding

- Published: 2021-03-16
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/todays-small-business-loan-rates
- Resource Categories: Running a Business, Small Business Financing
---

> If you’re at all familiar with loan products, you know that there are often different names for the same type of product. For example, “payday loans”

- Published: 2021-02-19
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/everything-you-should-know-about-installment-loans
- Resource Categories: Insights and Stories, Running a Business
---

> We recently spoke with OnDeck customer Henry Lee, who owns Musicians Headquarters in Balch Springs, TX. He has used his OnDeck financing to stock up on inventory and manage cash flow through slow sales periods.

- Published: 2020-09-10
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-musicians-headquarters
- Resource Categories: Insights and Stories
---

> We recently spoke with OnDeck customer Melissa Diabate, who owns NirvanaNour in Houston, TX. She has used her OnDeck financing to stock up on inventory to meet demand during the pandemic.

- Published: 2020-07-24
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-nirvananour
- Resource Categories: Insights and Stories
---

> We recently spoke with OnDeck customer Ghassan Bilaih, who operates Gyro Oasis Deli & Grill in Irving, TX. Ghassan used his OnDeck financing to upgrade his equipment and to have his restaurant operate safely during COVID.

- Published: 2020-07-14
- Modified: 2025-08-27
- URL: https://www.ondeck.com/resources/operating-a-small-business-in-the-new-normal-gyro-oasis-deli-grill
- Resource Categories: Insights and Stories
---

> The COVID-19 (coronavirus) pandemic has hit small businesses in the U.S. particularly hard. Many are facing issues such as forced closures due to lockdown

- Published: 2020-04-30
- Modified: 2025-05-28
- URL: https://www.ondeck.com/resources/survey-how-coronavirus-has-impacted-small-businesses
---

> An intro guide to SBA economic injury disaster loans and COVID-19. Learn how your small business can benefit from these solutions.

- Published: 2020-03-30
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/what-is-an-sba-economic-injury-disaster-loan-and-how-do-i-apply
- Resource Categories: Small Business Financing
---

> The coronavirus pandemic and resulting lockdowns can be very challenging for small business owners. Keep reading for 5 ways to keep small business cash flow as strong as possible during the COVID-19 outbreak.

- Published: 2020-03-27
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/5-ways-to-maximize-cash-flow-during-the-covid-19-outbreak
- Resource Categories: Small Business Financing
---

> The worldwide COVID-19 outbreak is an especially challenging situation for small business owners. Learn more about the different support programs available at a local, state and federal level.

- Published: 2020-03-20
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/government-assistance-programs-for-small-businesses-during-the-covid-19-outbreak
- Resource Categories: Small Business Financing
---

> Running a small business comes with a lot of liability, no matter what industry you work in. Even the most optimistic entrepreneur should be prepared for

- Published: 2020-03-09
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/risks-small-businesses-face-and-how-to-avoid-them
- Resource Categories: Running a Business
---

> In honor of Small Business Saturday, we conducted our second annual Small Business Community Impact Survey to highlight all the ways small businesses are an important part of their local communities.

- Published: 2019-11-25
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/why-small-businesses-are-important
- Resource Categories: Insights and Stories, Running a Business
---

> Getting a veteran-owned business certification can help you win more business from both government agencies and corporations - learn more about how to get certified.

- Published: 2019-11-07
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/how-to-get-a-veteran-owned-business-certification
- Resource Categories: Running a Business
---

> Learn how Ellen Rozelle Turner has grown the William Everett Group to 100 consultants and 10 times the size in 5 years by tapping into her family values.

- Published: 2019-09-13
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/how-the-william-everett-group-grew-10x-in-5-years
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2019-09-13
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/how-to-prepare-your-business-for-the-holiday-season
- Resource Categories: Running a Business, Small Business Financing
---

> A solid bookkeeping system is essential to running a successful business. Implement a few key bookkeeping habits to increase cash flow and decrease stress.

- Published: 2019-08-26
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/bookkeeping-habits-that-can-increase-your-cash-flow
- Resource Categories: Small Business Financing
---

> The right technology is critical to track of your small business finances - check out 5 ways to use technology to streamline your small business finances.

- Published: 2019-08-23
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/5-tools-to-streamline-your-small-business-finances
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2019-07-16
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/how-to-use-discounts-to-drive-retail-sales-without-cutting-into-your-profits
- Resource Categories: Running a Business
---

> Charlene and Ross Meriwether own Wild Women Winery in the heart of downtown Denver, Colorado. The couple built a thriving business in a challenging

- Published: 2019-07-12
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/how-wild-women-winery-built-a-thriving-boutique-business-with-financing
- Resource Categories: Running a Business, Small Business Financing
---

> We're celebrating the Summer of Small Business by spotlighting the hard work and achievements of our customers all summer long.

- Published: 2019-06-19
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/summer-2019
- Resource Categories: Running a Business
---

> Cash flow ebbs and flows, but it's more pronounced for a seasonal business. Here's what you need to know about managing financing for a seasonal business.

- Published: 2019-06-07
- Modified: 2025-02-04
- URL: https://www.ondeck.com/resources/managing-your-finances-as-a-seasonal-business
- Resource Categories: Small Business Financing
---

> Next to reducing delinquencies, managing revolving credit usage is critical to building a strong FICO score. Here are 3 tips on how to optimize your credit score.

- Published: 2019-05-23
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/dont-mess-up-your-fico-score-manage-your-revolving-credit-usage
- Resource Categories: Small Business Financing
---

- Published: 2019-05-09
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/does-it-make-sense-for-my-business-to-prepay-a-loan
- Resource Categories: Running a Business, Small Business Financing
---

> In celebration of National Small Business Week, read some of the best advice we’ve gathered from small business owners on building a successfgul business.

- Published: 2019-05-03
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/lessons-learned-from-other-small-business-owners
- Resource Categories: Running a Business
---

> A strong FICO score depends upon staying current on your personal debt obligations, but managing delinquncies will help minimize the damage to your score.

- Published: 2019-04-03
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/dont-mess-up-your-fico-score-managing-delinquencies
- Resource Categories: Running a Business, Small Business Financing
---

> Here are 8 simple small business operations, procedures and processes that are necessary to keep your business running smoothly.

- Published: 2019-03-26
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/your-ultimate-checklist-for-small-business-operations
- Resource Categories: Running a Business
---

> Small Business accouting can go two ways. The main difference between accrual and cash-based accounting relates to the timing of revenue and expenses.

- Published: 2019-02-15
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/cash-based-accounting-vs-accrual-based-accounting
- Resource Categories: Small Business Financing
---

- Published: 2019-02-11
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/comparing-the-costs-of-different-business-loans
- Resource Categories: Small Business Financing
---

> Creating an effective sales strategy should fulfill your business goals to increasing your company’s customer or client base.

- Published: 2019-02-06
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/why-should-i-buy-from-you-creating-a-sales-strategy
- Resource Categories: Running a Business
---

> A lot of entrepreneurs are put off when the topic of insurance comes up. They think it’s another item to be added to the already long list of expenses. It

- Published: 2019-02-01
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/demystifying-business-insurance
- Resource Categories: Small Business Financing
---

> You are probably familiar with the saying “time is money,” but you may not really understand how true it is. Studies show that the average executive

- Published: 2019-01-11
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/keeping-it-simple-how-staying-organized-will-save-you-time
- Resource Categories: Running a Business
---

> Tis the season to show your employees you care. The holiday season bring out the warm and fuzzies no matter which holiday people are celebrating. If you

- Published: 2018-11-28
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/the-pros-and-cons-of-small-business-holiday-bonuses-gifts-parties-and-time-off
- Resource Categories: Running a Business, Small Business Financing
---

> 401ks for small busiesses are no longer as cost prohibitive as they once were. Technology has helped lower the paperwork and the cost of these plans.

- Published: 2018-09-21
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/401ks-for-small-businesses
- Resource Categories: Small Business Financing
---

> Customer Relationship Management software can be a valuable tool for small businesses. Here's how your small business can leverage the value of CRM software

- Published: 2018-09-11
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/a-small-business-owners-guide-to-choosing-and-using-crm-software
- Resource Categories: Running a Business
---

> Online reviews of your business are extremely important and easier than ever for customers to write, and for potential customers to access.

- Published: 2018-08-05
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/how-to-get-happy-customers-to-write-you-online-reviews
- Resource Categories: Running a Business
---

> I banked with them for so long, and they knew how much money I had! It was very frustrating. But then I found OnDeck and they took me on.

- Published: 2018-07-24
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/meadowlark-home-care
- Resource Categories: Running a Business
---

> Competitor analysis is an important part of staying ahead of the competition. Here are six tips for a common sense approach to market analysis.

- Published: 2018-05-15
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/6-steps-improve-companys-competitor-analysis-2018
- Resource Categories: Running a Business
---

> Help your company stay ahead of the competition and making sure your company is doing everything it can to compete by using a SWOT analysis.

- Published: 2018-05-15
- Modified: 2024-10-25
- URL: https://www.ondeck.com/resources/swot-analysis-tools-can-help-small-business
- Resource Categories: Running a Business
---

- Published: 2018-01-30
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/guides-small-business-loans
- Resource Categories: Running a Business, Small Business Financing
---

- Published: 2018-01-11
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/small-business-loan-application-checklist
- Resource Categories: Small Business Financing
---

> Parental leave doesn't have to be a challenge to your small business. Here are 3 things to consider as you contemplate parental leave in your business.

- Published: 2017-12-07
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/parental-leave-small-businesses
- Resource Categories: Running a Business
---

> You don't need to be a big company with a big budget to invest in automation. Here are 5 places your small businesses can automate with ideas for how.

- Published: 2017-12-06
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/small-business-can-strategically-invest-automation
- Resource Categories: Running a Business
---

> Your sales cycle length has a critical effect on your company’s performance. Here are four winning strategies to speed up the sales cycle in your business.

- Published: 2017-12-05
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/4-winning-strategies-speed-up-the-sales-cycle
- Resource Categories: Running a Business
---

- Published: 2017-11-14
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/cash-flow-business-owners-know
- Resource Categories: Small Business Financing
---

> Your business loan application was rejected. Now what? Learn what you can do to make sure you have a better chance to get your loan approved next time.

- Published: 2017-11-07
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/4-ways-to-recover-from-a-rejected-loan-application
- Resource Categories: Small Business Financing
---

> Sales is the heartbeat of most small businesses. These effective sales tactics allow you to run your business efficiently and increase your productivity.

- Published: 2017-10-17
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/3-effective-sales-tactics
- Resource Categories: Running a Business
---

> Maximize your time and revenue with these effective efficiency tools. Run your business smarter and gain time to work on your business growth.

- Published: 2017-10-10
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/11-effective-efficiency-tools-increase-revenue
- Resource Categories: Running a Business
---

- Published: 2017-10-04
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/maximizing-small-business-efficiency
- Resource Categories: Running a Business
---

> Pursuing Smart Business Growth Strategies. As a small business owner, I observed that my business seemed to either be growing or struggling.

- Published: 2017-09-28
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/smart-business-growth-strategies
- Resource Categories: Running a Business
---

> Friends and family business loans can be challenging without the right approach. Here are 7 ways to make borrowing from friends or family a success.

- Published: 2017-09-11
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/friends-and-family-business-loans
- Resource Categories: Small Business Financing
Friends and family business loans, or financing from friends or family members remains one of the primary sources small businesses of every size use to access capital to fuel growth or

---

- Published: 2017-09-11
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/sba-loans
- Resource Categories: Small Business Financing
Although the SBA (U.S. Small Business Administration) isn’t a lender, it has guaranteed millions of small business loans since it was established in 1953. SBA loans are

---

> In today’s mobile economy, workforces are increasingly deployed remotely, and a virtual sales team is becoming the norm. Here's what you need to know.

- Published: 2017-08-31
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/building-virtual-sales-team-ground
- Resource Categories: Running a Business
In today’s mobile economy, workforces are increasingly deployed remotely, and sales teams are becoming increasingly virtual. By 2020, half of full-time employees are expected to

---

> You don't need to be an account to run a successful business, but there are 5 important small business financial metrics you need to know. Here they are.

- Published: 2017-08-31
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/financial-metrics
- Resource Categories: Running a Business, Small Business Financing
I don’t think I’m alone when I suggest, that like many small business owners, I didn’t jump into business ownership because I was really excited about small business bookkeeping or

---

- Published: 2017-08-30
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/online-small-business-resources
- Resource Categories: Running a Business
Small and medium-sized businesses (SMBs) know how to stretch a dollar to make it go as far as possible. Whether you’re bootstrapping your business on your own or gearing up

---

- Published: 2017-08-30
- Modified: 2025-11-06
- URL: https://www.ondeck.com/resources/small-business-smaller-budget
- Tags: No Archive
- Resource Categories: Running a Business
The rate of small business failure is trending downward, Entrepreneur reports. Part of this trend stems from savvy business owners who do their homework before putting

---

- Published: 2017-07-13
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/understanding-non-profit-lenders
- Resource Categories: Small Business Financing
Non-profit lenders can be a good fit for very small businesses that can leverage smaller loan amounts to create a big impact—often at very low and sometimes no interest.

---

> For most small business owners the need to have a good personal credit score never goes away. Learn how it's calculated, how you can improve it, and why it's a part of your business loan application.

- Published: 2017-07-13
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/why-is-your-personal-credit-score-part-of-a-business-loan-decision
- Resource Categories: Small Business Financing
For most small business owners the need to have a good personal credit score never goes away. Learn more about what what your personal score says about you and what lenders are looking for.

---

- Published: 2017-07-11
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/loan-application-denied
- Resource Categories: Small Business Financing
If you've ever asked the question, "Why was my loan application denied?" Check out this list of answers and the actions you can take to improve the odds.

---

> What is equity financing and does it make sense for my business? What types of equity financing is available and what businesses that have the most success?

- Published: 2017-07-11
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/understanding-equity-financing
- Resource Categories: Small Business Financing
What is equity financing and does it make sense for my business? What types of equity financing is available and what businesses that have the most success?

---

> Although factoring has been around for a long time and is the way many businesses acquire short-term capital, it isn't a loan. Here's what you need to know.

- Published: 2017-07-10
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/need-know-invoice-factoring
- Resource Categories: Small Business Financing
Although factoring is not a loan, it’s a popular way for small businesses to access short-term capital to fuel growth and other initiatives. Here’s what you need to know about how

---

> Tips for Making Smart Inventory & Equipment Purchases: An Interview with RT Custer, Co-Founder of Vortic Watch Company Let me introduce you to the

- Published: 2017-04-24
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/small-business-success-vortic-watch-company
- Resource Categories: Running a Business, Small Business Financing
---

> Business growth doesn't just happen. Check out these small business tips from Barbara Corcoran that will help you build a healthy and thriving business.

- Published: 2017-04-07
- Modified: 2025-05-29
- URL: https://www.ondeck.com/resources/5-ways-to-re-energize-and-push-your-business-forward
- Resource Categories: Running a Business
---

> Starting a new business isn’t easy. Many first-time business owners do not realize how much goes into starting a new venture. Branding, logo-creation,

- Published: 2016-12-09
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/insurance-101-insurance-your-business-needs-now
- Resource Categories: Running a Business
---

> We are so excited to share the winners for the OnDeck Seal of Approval Contest. For the second year in a row, OnDeck worked with Barbara Corcoran to give

- Published: 2016-12-01
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/ondeck-seal-of-approval-winners
- Resource Categories: Running a Business
---

- Published: 2016-10-31
- Modified: 2025-11-19
- URL: https://www.ondeck.com/resources/7-better-ways-to-train-small-business-employees
- Resource Categories: Running a Business
---

> It’s tempting to prioritize your startup’s elevator pitch somewhere between watering the office ficus and ordering extra paper towels for the break room.

- Published: 2016-10-26
- Modified: 2025-04-22
- URL: https://www.ondeck.com/resources/5-crucial-elements-of-the-perfect-elevator-pitch
- Resource Categories: Running a Business
---

> Take your business to the next level! Enter with OnDeck to win $10K and a coaching session with Barbara Corcoran from Shark Tank.

- Published: 2016-10-17
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/ondecks-seal-of-approval
- Resource Categories: Running a Business
---

> According to the Federal Reserve Bank of New York, the average business owner spends 26 hours in total looking for financing. With that number in mind, here are 26 productivity tips for small business owners to make their days as efficient as possible.

- Published: 2016-09-14
- Modified: 2025-04-17
- URL: https://www.ondeck.com/resources/33-productivity-tips-for-small-business-owners
- Resource Categories: Running a Business
---

> Many business owners consider taking on a business partner a good idea. Is it right for you and your business? Here are some pros and cons to consider.

- Published: 2016-07-29
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/the-pros-and-cons-of-taking-on-a-business-partner
- Resource Categories: Running a Business
---

- Published: 2016-07-13
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/a-guide-to-ondeck-business-credit-reporting
- Resource Categories: Small Business Financing
---

- Published: 2016-07-08
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/7-ways-the-government-could-help-your-small-business
- Resource Categories: Running a Business
---

> There are 14 questions you should ask before you get a small business loan.The answers will help you know where to apply and how muchto ask for.

- Published: 2016-06-27
- Modified: 2025-08-11
- URL: https://www.ondeck.com/resources/14-questions-you-should-ask-before-you-get-a-small-business-loan
- Resource Categories: Running a Business, Small Business Financing
---

> Handmade crafts are enjoying a heyday in the U.S. Etsy is seeing $2 billion in sales a year, which may soon be eclipsed by the fast-growing newcomer,

- Published: 2016-06-17
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/should-you-sell-your-goods-at-a-flea-market-or-crafts-fair
- Resource Categories: Running a Business
---

> Delegation is an important skill a small business owner needs to have to be successful. Here are 5 keys to delegating every owner needs to master

- Published: 2016-04-13
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/5-keys-to-delegating-as-a-small-business-owner
- Resource Categories: Running a Business
---

> You might think of podcasts as pure entertainment, stories to listen to on your commute or at the gym. But today’s heyday of podcasting is bringing a

- Published: 2016-02-26
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/6-small-business-podcast-recommendations
- Resource Categories: Running a Business
---

> Taking routine, recurring tasks off your to do list is essential for your productivity. Some of these business tasks can be automated, while others on your list may need to be delegated to employees. Read on for 20 business tasks that can be easily automated.

- Published: 2016-02-05
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/20-business-tasks-you-can-easily-automate
- Resource Categories: Running a Business
---

> This is a sponsored post written by me on behalf of On Deck Capital, Inc. My passion is business, and I am especially passionate about helping

- Published: 2015-12-21
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/barbara-corcoran-seal-of-approval-contest-winners
- Resource Categories: Running a Business
---

> A sign with opening hours is one of the fixtures of a small business storefront. But “open” and “closed” are not quite as black and white as they appear

- Published: 2015-12-16
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/open-or-shut-how-small-businesses-owners-pick-business-hours
- Resource Categories: Running a Business
---

- Published: 2015-12-14
- Modified: 2025-10-14
- URL: https://www.ondeck.com/resources/5-clues-to-help-you-know-if-you-may-qualify-for-an-sba-loan
- Resource Categories: Small Business Financing
---

- Published: 2015-12-07
- Modified: 2025-09-17
- URL: https://www.ondeck.com/resources/5-financing-tips-women-business-owners
- Resource Categories: Small Business Financing
---

> 40 percent of shoppers start their holiday gift buying before Halloween. If your customers are ready for Santa in October, should you be too?

- Published: 2015-11-11
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/when-should-small-businesses-decorate-for-the-holidays
- Resource Categories: Running a Business
---

> Founding new business can be difficult; for military veterans, however, the process of starting a business will seem quite natural, since your military training and service gives you advantages many entrepreneurs lack. Here are some tips on how to start a veteran-owned business.

- Published: 2015-10-30
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/start-veteran-owned-business
- Resource Categories: Running a Business
---

> There’s no question, in many situations a business owner’s personal credit score has an impact on his or her ability to get a small business loan. While

- Published: 2015-10-26
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/improving-good-credit-score-make-great
- Resource Categories: Small Business Financing
---

> Have you heard of loan stacking? If you’re unfamiliar with the term, loan stacking is where a loan or cash advance is approved on top of a loan or advance

- Published: 2015-10-12
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/loan-stacking-bad-business
- Resource Categories: Small Business Financing
---

> Handling payroll for your small business can be stressful. Here are some of the most common business payroll mistakes and how you can overcome them.

- Published: 2015-09-30
- Modified: 2025-04-07
- URL: https://www.ondeck.com/resources/3-small-business-payroll-mistakes-avoid
- Resource Categories: Running a Business
---

> We all know how important cash flow is. A steady stream of income that’s more than enough to cover expenses is what helps us stay in business--it’s what

- Published: 2015-09-21
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/cash-flow-problems-heres-need-know
- Resource Categories: Small Business Financing
---

> There are more options available today for a small business loan, but understanding your loan purpose will help you find the right loan.

- Published: 2015-08-31
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/looking-small-business-loan-loan-purpose-matters
- Resource Categories: Small Business Financing
---

> Create a small business budget by tackling these two important tasks: budgeting your dollars and forecasting how your business will behave in the year ahead.

- Published: 2015-08-28
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/budgeting-forecasting-whats-difference
- Resource Categories: Running a Business, Small Business Financing
---

> Identity theft is a hot topic and a big concern for many people these days. It seems like we regularly hear about personal data being stolen from one

- Published: 2015-08-24
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/protecting-business-identity-theft
- Resource Categories: Running a Business
---

> Invoicing is an essential part of business operations. Whether you run a one-person shop, a brick-and-mortar operation, or a growing business with

- Published: 2015-08-19
- Modified: 2024-08-19
- URL: https://www.ondeck.com/resources/6-outstanding-online-invoicing-tools-business
- Resource Categories: Running a Business
---

> Student debt can create a daunting financial maze for would-be small business owners. Recent research shows that regions where the population carries

- Published: 2015-07-31
- Modified: 2024-11-13
- URL: https://www.ondeck.com/resources/got-student-loans-can-still-small-business
- Resource Categories: Small Business Financing
---

> Boom times don’t last forever. But In fact, economic recessions are not all bad news for businesses. Find out why and see which companies make the most...

- Published: 2015-07-24
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/economic-crises-business
- Resource Categories: Running a Business
---

> Experiencing a summer sales slump? Here are 4 tips to tackle a slow summer slump and keep on track with your business goals.

- Published: 2015-07-10
- Modified: 2025-05-20
- URL: https://www.ondeck.com/resources/4-ideas-tackle-slow-summer-slump
- Resource Categories: Running a Business
---

> The temptation to use personal credit to pay for business expenses can be tempting for many small business owners—particularly when other small business

- Published: 2015-07-06
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/5-tips-help-qualify-business-credit-card
- Resource Categories: Small Business Financing
---

> Working with a partner has it rewards and its challenges—you might not always agree. So here are 4 rules for handing conflicts with your business partner.

- Published: 2015-05-06
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/4-rules-handling-conflicts-business-partner
- Resource Categories: Running a Business
---

> There are times when a small business owner can't wait weeks or months to find a loan for his or her business—they need a fast business loan.

- Published: 2015-05-05
- Modified: 2025-02-04
- URL: https://www.ondeck.com/resources/fast-small-business-loans-2
- Tags: No Archive
- Resource Categories: Small Business Financing
---

> San Francisco startup, Bento, think their new prepaid MasterCard (that acts like a debit card) is just the ticket for startups whose employees purchase equipment, supplies, services, or company travel.

- Published: 2015-03-30
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/corporate-debit-card-good-idea
- Resource Categories: Small Business Financing
---

> If you’ve put your faith in what I call the “Myth of the Shark Tank,” you may be surprised at where most start-ups get cash to start...

- Published: 2015-03-23
- Modified: 2022-11-11
- URL: https://www.ondeck.com/resources/startups-really-get-money-start
- Resource Categories: Small Business Financing
---

> Not all lenders look at the same criteria when evaluating whether or not they’ll approve a small business loan, but here are three red flags

- Published: 2015-03-17
- Modified: 2023-05-16
- URL: https://www.ondeck.com/resources/three-likely-reasons-business-loan-application-got-rejected
- Resource Categories: Small Business Financing
---

> It’s a proven fact: employees who are engaged at work (meaning that they are motivated, committed, and satisfied) are more productive at their jobs.

- Published: 2015-03-11
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/1-way-productivity-small-business-youre-probably-not
- Resource Categories: Running a Business
---

> How do you compensate a sales team? Salespeople can make or break your business. But knowing how to property incentivize them can be tricky.

- Published: 2015-02-27
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/pay-salespeople
- Resource Categories: Running a Business
---

> Crowdfunding is one of the more empowering developments of the Internet age. Through the connected power of the masses, aspiring entrepreneurs can get

- Published: 2015-02-17
- Modified: 2025-08-28
- URL: https://www.ondeck.com/resources/5-business-types-perfect-crowdfunding
- Resource Categories: Small Business Financing
---

> Will your business qualify for an SBA loan? Here are four questions the loan officer will ask before he or she says "Yes."

- Published: 2015-02-09
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/small-business-lending-business-qualify-sba-loan
- Resource Categories: Small Business Financing
---

> It's not the number of birthdays, but the age of your oldest credit account and the average age of all the others that affect your personal credit score.

- Published: 2015-02-02
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/age-affect-personal-credit-score
- Resource Categories: Small Business Financing
---

- Published: 2015-01-12
- Modified: 2025-12-02
- URL: https://www.ondeck.com/resources/ask-4-questions-find-right-loan-small-business
- Resource Categories: Small Business Financing
---

> Kudos to these 10 current NFL players who are also small business owners.

- Published: 2014-12-29
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/10-current-nfl-players-run-small-businesses
- Resource Categories: Running a Business
---

> Credit monitoring will not hurt your credit score and is a good idea to do at least annually.

- Published: 2014-12-29
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/will-credit-monitoring-hurt-credit-score
- Resource Categories: Small Business Financing
---

- Published: 2014-12-09
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/3-ways-win-government-contracts
- Resource Categories: Running a Business
---

> Creating successful relationships with vendors is every bit as important as the relationships you build with your customers.

- Published: 2014-12-05
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/leverage-vendor-discounts-increase-profits
- Resource Categories: Running a Business
---

> While you may be inundated with emails and ads about Black Friday, Small Business Saturday is the real focus for small businesses in the U.S. Learn why small business owners tend to bypass Black Friday promotions.

- Published: 2014-11-26
- Modified: 2024-02-29
- URL: https://www.ondeck.com/resources/5-reasons-small-businesses-dont-rely-black-friday
- Resource Categories: Running a Business
---

> You might be surprised to learn there have been several US Presidents who ran small businesses —in addition to President Trump. Here are seven more.

- Published: 2014-11-26
- Modified: 2023-05-16
- URL: https://www.ondeck.com/resources/7-u-s-presidents-never-knew-ran-small-businesses
- Resource Categories: Uncategorized
---

> As Us Weekly would put it, “Stars: they’re just like us!” – and that’s true in business too. These eight celebrities have created and grown small

- Published: 2014-11-14
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/8-celebrities-youll-surprised-know-small-businesses
- Resource Categories: Uncategorized
---

> In honor of Veteran's Day, OnDeck is celebrating veteran small business owners all month long. Here are seven awesome facts about veteran small business

- Published: 2014-11-04
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/7-awesome-facts-veteran-small-business-owners
- Resource Categories: Small Business Financing
---

> Certifications are important for many types of organizations, especially small businesses that want to work with the U.S. government or receive special

- Published: 2014-10-29
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/4-small-business-certifications-might-know
- Resource Categories: Running a Business
---

> For those small business owners that think a small business loan is out of their reach – prepare to be inspired. Jake Fitzsimmons, opened a hamburger bar

- Published: 2014-07-30
- Modified: 2025-06-16
- URL: https://www.ondeck.com/resources/business-financing-through-unconventional-methods
- Resource Categories: Small Business Financing
---

- Published: 2014-07-28
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/how-the-gender-gap-affects-small-business-loan-approvals
- Resource Categories: Small Business Financing
---

> Whether you’re looking at a traditional bank, or a nonbank lender like OnDeck, applying for a small business loan is all about illustrating your overall

- Published: 2014-07-11
- Modified: 2025-08-19
- URL: https://www.ondeck.com/resources/3-foolproof-ways-to-show-lenders-youre-a-low-risk-borrower
- Resource Categories: Uncategorized
---

> We think every small business is “cool”, but the list below takes cool to a whole new level. - The Blue Starlite Mini Urban Drive-In, a miniature drive-in

- Published: 2014-06-14
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/the-coolest-small-businesses-in-america
- Resource Categories: Uncategorized
---

- Published: 2014-05-06
- Modified: 2025-11-17
- URL: https://www.ondeck.com/resources/crucial-guidance-women-business-enterprise-wbe-certifications
- Resource Categories: Running a Business
---

> Small businesses like to be recognized by their customers. These 5 small business compliments, tell you your business is heading in the right direction.

- Published: 2014-04-18
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/5-best-compliments-hear-small-business-owner
- Resource Categories: Running a Business
---

> Social media offers businesses massive opportunities. It's a low-cost way to promote your business, engage consumers, and maximize your company's online

- Published: 2014-04-17
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/social-media-best-practices
- Resource Categories: Uncategorized
---

> Small business owners have many options when it comes to financing. We have previously discussed peer-to-peer lending, business lines of credit, and

- Published: 2014-04-10
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/receivables-financing
- Resource Categories: Small Business Financing
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> Paying yourself as a small business owner can be tricky, but this important task deserves careful consideration. As an integral part of applying for small

- Published: 2014-04-08
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/paying-every-business-owner-needs-know-tax-time
- Resource Categories: Uncategorized
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> There are numerous ways that small business owners can get financing for their business, and peer-to-peer lending is one option. What is peer-to-peer

- Published: 2014-04-03
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/peer-peer-lending
- Resource Categories: Uncategorized
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> Our small business resource center features hundreds of informative articles written by industry experts. Topics range from building credit to small business insights and beyond.

- Published: 2014-03-05
- Modified: 2025-04-15
- URL: https://www.ondeck.com/resources/merchant-cash-advance-2
- Tags: No Archive
- Resource Categories: Small Business Financing
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