Many businesses, large and small, rely on commercial loans to fuel growth or fund other business initiatives like purchasing equipment, buying inventory, or other day-to-day business activities.

Fortunately, there are many options available today for the small business willing to look outside the bank and other traditional sources for commercial loans.

Many of the options that were once considered “alternative” are now considered mainstream and even the first choice for other small business owners just like you who are looking for a small business loan.

Traditional Commercial Loans

The local bank has traditionally been the first place most business owners look when they need a commercial loan. It makes sense; they have their business checking account, maybe a savings account, and possibly even a business credit card there. Unfortunately, it’s not uncommon for a business owner with a profitable business to get turned away at the local bank.

The banker may be looking for a fairly narrow borrower profile. Frequently, they are looking for businesses with annual revenues of $1 million or more, several years in business, collateral to secure a loan, a business owner with a personal credit score in the 700s, and larger loan amounts. A business owner who meets those criteria will likely have success at the local bank—provided a traditional bank loan makes sense for their business.

A Quick Approval and Funds in 24 to 48 Hours

Online lenders, like OnDeck, look at your business differently than many traditional lenders, like the local bank—and are a good alternative to a traditional bank loan in many cases. We consider dozens of data points to evaluate the health of your business and your business’ credit worthiness. In addition to your personal credit score and business credit profile, we look at your cash flow, your annual revenues, and other information to evaluate whether or not we’ll offer your business a loan. Looking at your business this way allows us to say “Yes” more often than the bank—and your loan application, in many cases, could be approved within an hour and often have your funds delivered in 24 to 48 hours.

We’ve delivered over $8 billion since we opened our doors in 2007; we’re publicly traded on the New York Stock Exchange, and have an A+ rating with the Better Business Bureau. We make loans from $5,000 to $500,000 to help small business owners just like you.

We’ve already delivered over $8 billion in funds to other small businesses like yours

We can get you an answer on your loan application quickly

OnDeck is a publicly traded company with a Better Business Bureau rating of A+

Ready to unlock opportunity?

We make loans from $5,000 to $500,000

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Get your funds in three easy steps


Minimum qualifications for approval

We’ll evaluate your business criteria to help find the loan that’s right for your business.

  • Time in Business
    At least 1 year in business

  • Personal Credit Score
    Fico +500

  • Annual Revenue

Work with a dedicated advisor that will be your guide.

Call: (888) 269-4226
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