About the On Deck Service

Features  |  FAQ's

On Deck provides a free service for business owners that offers insights into how banks view your business, and the lending options available to you.

IN JUST 5 MINUTES ON DECK WILL:

• Show you how lenders look at your business, and what they see in your profile

• Provide your best options for a loan based on your business data

• Give you insights into your business, based on your cash flow and bank data

Features

Credit Director

Understand where your credit and cash flow history place your business among the spectrum of loan products on the market.

The On Deck Credit Director instantly analyzes your personal and business credit to match you with your lowest cost source of financing, whether an On Deck loan or otherwise.

Insights

There's more to your business than a credit score. There's cash flow, payment history, revenue trends - On Deck lets you track it all in one place.

By building your business profile, we're able to automatically analyze your business data and provide you with tips on maintaining a healthy credit record. In addition to business and personal credit analysis, you'll be able to enroll your bank account with On Deck for real-time feedback and alerts.

Small Business Loans

Based on your business history, you may be able to apply for a true small business loan through On Deck. On Deck can have a decision on your loan in 2 business days, and funding as fast as 7 business days. Click here to learn more about our small business loans.

Frequently Asked Questions

How much does the service cost?
The service is completely free.

How long does it take to sign up?
It should take no longer than 5 minutes for you to get your free insights from On Deck.

Can I use the service if I don't currently need a loan?
Absolutely. All business owners should have an understanding of how they look in the eyes of a lender. By building a business profile with On Deck, you can see how you look today and work to improve your standing going forward.

How does On Deck determine my best lending options?
On Deck has delivered over $200 million to thousands of small businesses, and as a result we have detailed knowledge about the lending criteria for different institutions. We take into account information such as personal and business credit bureau data, time in business and cash flow to build an accurate model that can not only save you time, but also provide you information as to why we are recommending certain options.

You check my credit to build my On Deck report – does this affect my credit score?
No. On Deck uses a "soft pull" of your credit that does not appear in your credit history.

There is an option to connect my online Bank Account to my On Deck account. What is the benefit?
On Deck uses bank data to analyze your transaction information and to get a sense of how your business is performing from the perspective of revenues and expenses. As such, we make calculations and provide you insights related to cash flow patterns, monthly volumes, and recurring expenses.

Is this secure?
Absolutely. On Deck Capital protects your information using bank-level data security: 128 bit-encryption and a Secure Sockets Layer (SSL) protocol. This creates an encrypted connection between your browser and our servers. All information is kept encrypted at all times.

On Deck Capital employees cannot view your banking username and passwords nor can we attempt to initiate any transaction.

Is there any obligation to apply for a loan?
No - all of the information is free to any business owner with no obligation. If your business meets certain criteria you can apply for a loan through the service, but this is completely optional.