Beyond Traditional Lending — Fast, Fair, Affordable

Your small business is the result of your hard work and passion. We can provide working capital to help your business grow and expand. On Deck considers business performance — cash flow, credit card revenue and payment behavior — in addition to your credit history. We also do it at a fair rate. In as little as 7 business days, you can have affordable cash in hand.

At On Deck Capital, our vision is to help small businesses improve their credit score through the successful repayment of an On Deck loan. The result: your chances of qualifying for a traditional bank loan in the future should improve.

Quick Decision, Competitive Rates, Fast Funding

On Deck Capital loans work for the small business, not the other way around. We built a proprietary lending formula for small businesses that just miss the cut-off from traditional bank loans.

Small businesses with a healthy cash flow can qualify for $5,000 to $100,000 in financing with On Deck Capital.

• A decision in 2 business days, funding within 5
• Rates typically up to 50% lower than merchant cash advances
• Interest charged only on business days — 257 days for a 12-month loan
• Daily payments reduce your principal faster, so you pay less interest
• We lend responsibly - lending only what your business cash flow can bear

More affordable, faster, easier to repay — On Deck Capital is the smart way for small businesses to secure working capital.

Who Qualifies — The Facts and Figures

On Deck Capital is dedicated to small businesses. To qualify for financing, an owner-operated business should:

• Have a business bank account
• Maintain an average bank account balance of $3,000
• Have been in operation for more than 1 year
• Operate a storefront business with a diversified customer base

Click here for additional information about our small business lending options

Receive an Instant Decision

On Deck's Instant Decision application provides you a fast answer to whether you are qualified for a loan with us and the amount you could receive. In less than 5 minutes, our system will analyze your business performance in addition to credit history. Receive your Instant Decision now!