SBA loans are paused — OnDeck is still funding.

Apply now to get a fast decision and funding in as little as 24 hours.^†

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150K+ Businesses
funded since 2006

$15 Billion
delivered across the U.S.

A+ Rating
with the Better Business Bureau

The government shutdown halts SBA funding.

When the government shuts down, the SBA halts its core lending programs — including 7(a) and 504 loans. That means:

No new SBA loans are processed or approved.
Even preferred and express lenders are unable to issue new loans.
Existing applications face delays, with approvals piling up once the shutdown ends.

For small business owners, that can mean stalled growth, delayed hiring and cash flow challenges.

OnDeck is still lending to small businesses — the heart of our economy.

Unlike the SBA, OnDeck is a private lender — which means we’re still open while federal lending is frozen. Small business owners turn to us to cover payroll, bridge cash flow gaps and keep growth moving forward. Even after a shutdown ends, SBA loans often face weeks of delays as backlogs pile up. OnDeck gives you an alternative today:

Quick and simple application process.
Fast decisions and funding times.
Flexible term loans and lines of credit, with repayment terms designed to work for you.

When the SBA is closed, OnDeck can keep your business open.

Funding options built to work for you.

OnDeck Line of Credit

A revolving credit line you can draw from 24/7 to receive funds within seconds.^*

Credit limits from $6K - $200K
Flexible repayment terms of 12, 18 or 24 months
Great for ongoing business needs

OnDeck Term Loan

A one-time lump sum of cash with an eventual option to apply for more.

Loan amounts from $5K - $250K
Repayment terms up to 24 months
Great for larger investments in your business

See why business owners choose us.

No hard credit pulls

Check your eligibility without affecting your credit score.

Fast funding

Lines of credit can fund instantly.^* Term loans can fund the same day.^†

Build business credit history

We report to business credit bureaus, which helps build business credit history with on-time payments.

Are we a match? Check our minimum requirements.^**

1 Year
in business

Business
checking account

$100K
business annual revenue

625
personal FICO^® score

We’re fluent in small business — and ready to take your call.

You don’t need to be an expert on small business loans. Our team of U.S.-based loan advisors is here to help you every step of the way.

(888) 269-4246
Monday – Friday
9 a.m. – 7:30 p.m. ET