Is On Deck Right for You?

Financing Main Street

If you're a typical Main Street small business, you know the financial challenges of maintaining and growing your business. When you started your business, you probably used your personal lines of credit to renovate or buy inventory. This hurt your personal credit score, which in turn, hurt your chances to receive a loan.

On Deck Capital is a smart financing option if you:

• Have a business separate from your home - a storefront with walk-in customers
• Have a diversified customer base with a lot of small ticket transactions
• Have steady cash flow
• Have a desire to grow and are conscientious about managing expenses
• Typically have sales of at least $300,000 in revenue per year

To speak with a Loan Specialist, simply call Toll Free, 1-888-269-4246, or apply online.

Retail Stores	Medical & Dental Offices	Small Grocery	Restaurants	Franchises

Small Business Financing for Retail Stores

The current economy is tough on retail! Deciding to borrow business money in this environment is tricky. Is it wise to invest early to beat the competition, or should an owner wait and continue to manage expenses tightly until a rebound is definite?

On Deck Capital believes in small businesses and continues to provide business money loans even in this economy. We specifically offer 6-month to 18-month business money loans that reduce the risk of longer term planning, and enable you to borrow for purposes such as:

• Inventory loans
• Renovation or Expansion loans
• Temporary Cash Flow

Minimize Risk – Maximize Opportunity with our Small Business Loans

On Deck Capital has a mission to help successful small businesses grow by providing small business loans when traditional lenders will not. We are not a leasing company or a merchant cash advance company. Our business loans range from $5,000 to $150,000. We lend to small businesses based on business performance, in addition to credit history and offer:

• A decision in 2 business days
• Funding in 7 business days
• A simple application
• Fixed daily payments
• Online management of your business money loan

On Deck May be Right for You if:

• You're a healthy business with a solid customer base (300K+ in revenues year over year)
• You have temporary cash flow needs
• You need a business money loan quickly
• You are conscientious about paying your bills (you may miss occasionally but you always catch up)

To Talk With a Loan Specialist, Simply Call Toll Free, 1-888-269-4246, or Apply Online.

Loans for Medical and Dental Offices

General medical and dental offices have special needs in comparison to many main street businesses. Fortunately, traditional lenders are often available to provide business money loans for major equipment and business start ups. But sometimes general health facilities need further cash flow once they’re up and running, for smaller purposes.

On Deck Capital focuses on your cash flow. So if office equipment is already in use as security for a traditional business money loan, but you have strong cash flow and can tolerate an additional business money loan payment, On Deck may be a good alternative. You can use your On Deck business money loan as working capital for purposes such as:

• Renovations
• Expansion
• Small equipment purchases

Keep Clients – and Cash Flow - Healthy

On Deck Capital has a mission to help successful small businesses grow by providing small business loans when traditional lenders will not. We are not a leasing company or a merchant cash advance company. Our business loan terms are 6- to 18-months, and our loans range from $5,000 to $150,000. We lend to small businesses based on business performance in addition to credit history and offer:

• A decision in 2 business days
• Funding in 7 business days
• A simple application
• Fixed daily payments
• Online management of your business money loan

On Deck May be Right for You if:

• You're a healthy business with a solid customer base
• Cash flow can support a business money loan beyond existing equipment loans
• You need a business money loan quickly

To Talk With a Business Money Loan Specialist, Simply Call Toll Free, 1-888-269-4246, or Apply Online.

Financing for a Small Grocery

Small grocery stores compete by selecting convenient locations and specialty foods to draw customers. It’s especially tough to compete when major grocers with well-known brand names have a natural draw and significant floor space.

For smaller grocers, around 5,000 square feet or less, On Deck Capital is a good financing alternative when a traditional bank loan is just out of reach. You can use your On Deck loan as working capital for purposes such as:

• Inventory
• Merchandising
• Expansion
• Point of Sale Equipment and Software

Meet Your Cash Flow Needs - and Competition - Head On.

On Deck Capital has a mission to help successful small businesses grow by providing small business money loans when traditional lenders will not. We are not a leasing company or a merchant cash advance company. Our loan terms are 6- to 18-months, and our loans range from $5,000 to $150,000. We lend to small businesses based on business performance in addition to credit history and offer:

• A decision in 2 business days
• Funding in 7 business days
• A simple application
• Fixed daily payments
• Online management of your business money loan

On Deck May be Right for You if:

• You're a healthy main street business with a lot of transactions from a broad customer base
• You have steady cash flow
• You need a business money loan quickly

To Talk With a Business Money Loan Specialist, Simply Call Toll Free, 1-888-269-4246, or Apply Online.

Financing for Restaurants

Restaurants have historically faced difficulty obtaining business loans from traditional banks. Without significant assets or receivables, restaurants have no collateral to secure financing.

As the affordable business financing options decrease further for restaurants in the current environment, On Deck Capital has emerged as the best alternative when a traditional bank loan is just out of reach. You can use your On Deck business loan as working capital for purposes such as:

• Inventory
• Kitchen or Point of Sale Equipment
• Expansion

How to Meet Cash Flow - and Customer - Demands.

On Deck Capital has a mission to help successful small businesses grow by providing small business loans when traditional lenders will not. We are not a leasing company or a merchant cash advance company. Our loans are 6-month to 18-month terms, and our loans range from $5,000 to $150,000. We lend to small businesses based on business performance in addition to credit history and offer:

• A decision in 2 business days, funding in 7 business days
• No change to your credit card processor
• A simple application
• Fixed daily payments
• Online management of your business money loan

On Deck May be Right for You if:

• You're a healthy main street business with a lot of transactions from a broad customer base
• You have steady cash flow
• You are conscientious about paying your bills (you may miss occasionally but you always catch up
• You need a business money loan quickly

To Talk With a Business Money Loan Specialist, Simply Call Toll Free, 1-888-269-4246, or Apply Online.

Franchise Loans

Franchises frequently need additional business financing to operate and expand their businesses. In addition, franchisees are faced with the ongoing challenge of meeting brand requirements such as purchasing new equipment to deliver a new product.

As the affordable financing options for franchisees decrease in the current environment, On Deck Capital is emerging as the best alternative when a traditional bank loan is just out of reach. You can use your On Deck loan as working capital for:

• Inventory
• Equipment for a new service or product
• Software for point of sale or operations
• Marketing spend to build your brand
• Expansion

How to Meet Financial - and Brand - Demands.

On Deck Capital has a mission to help successful small businesses grow by providing small business loans when traditional lenders will not. We are not a leasing company or a merchant cash advance company. Our loan terms are 6-month to 18-months, and our loans range from $5,000 to $150,000. We lend to small businesses based on business performance in addition to credit history and offer:

• A decision in 2 business days, funding in 7 business days
• No change to your credit card processor
• A simple application
• Fixed daily payments
• Online management of your business money loan

On Deck May be Right for You if:

• You're a small, healthy business with a lot of transactions from a broad customer base
• Your corporate offices do not provide favored funding rates
• You have steady cash flow
• You are conscientious about paying your bills (you may miss occasionally but you always catch up
• You need a business money loan quickly

To Talk With a Business Money Loan Specialist, Simply Call Toll Free, 1-888-269-4246, or Apply Online.

Customer Success Stories

On Deck Capital - Helping Main Street Businesses Grow

Elaine's Flowers & Gifts

Elaine Oulsey-Nevarez has owned Elaine’s Flowers and Gifts in Houston Texas for over 15 years.   In 2008, Elaine came to On Deck Capital after Hurricane Ike slammed Houston, resulting in two weeks of power outages and several more of slow sales.  These lost sales left Elaine with a short term cash-flow problem that meant she needed to borrow money to invest in her inventory and keep her business moving.

When she went to talk to her bank, they were, as Elaine puts it “completely inflexible and unhelpful”. They didn’t care that she had been in business for 15 years,  that the long term cash flow of her business was strong or that things were getting back on track after the storm. “They just looked at my credit score – which had dropped because my credit lines were decreased – not because I had done anything wrong – and they said no.” she says.

Elaine contacted On Deck Capital, and admits she was apprehensive at first, but quickly became comfortable with the On Deck process  “Unlike the bank, they actually cared about my financial statements and the cash flow history of my business. My bank just cared about my credit score.” At On Deck, Elaine’s business  was analyzed based on her historically  strong daily cash flow, and her money was in the bank 7 days after she initially contacted the company.

Today, Elaine’s Flowers and Gifts continues to grow and now employs 6 people. Her business has grown, she paid down her loan, and she is now working again with the banks that turned her away in 2008.

Wilson Heating & Air Conditioning

Steve Wilson has been in the air conditioning business in Texas for over 20 years, growing his company from a one man shop to a business that now has 26 full time employees. In early 2010 Steve went to his bank for a loan that he wanted to use toward a down payment on a new box truck for the business, and to help keep up with his business during the typically slow winter months. His banker (who he had known for 15 years) told him that the bank would not be able to help him.    

Steve started searching online for alternative financing options, and found On Deck Capital where he submitted his loan application.  On Deck’s underwriting platform analyzed his business data and determined that Steve’s business was healthy, with excellent cash flow – and a few days later he had the money in his bank account.

“The loan was fantastic for us - it is nice to have someone who actually looks at your business information before making a decision”  Steve says.  And he especially likes the daily payments that On Deck uses “completely painless – I don’t have to think about it”.  Business is booming for Steve, and in addition to the truck that he bought with the help of his On Deck loan – he has recently purchased 3 others for the company.

Brownsville Eye Center

Brownsville Eye Center was just over a year old, and doing well when Dr. Michael Foster decided he wanted to take his business to the next level. He put together a detailed marketing plan that included regular advertising in a local newspaper, listings in a local circular, and a promotion that ran on the back of grocery store receipts. In order to put his marketing plan into action, Dr. Foster needed a small business loan.

He applied for a loan at his local bank (where he had an established relationship) but was turned down, despite his steadily growing business. Dr. Foster began the application process at a second area bank, but knew that the application process would take weeks and the results would be uncertain so he began looking for other options.

After researching alternative lending options online, Dr. Foster contacted On Deck Capital. On Deck judged his business based on his cash flow and other business trends, approving Brownsville Eye Center for a loan. He was excited that the process could happen so quickly and smoothly, and that he could have the money in his bank account in 7 business days.

With the loan from On Deck Capital, Dr. Foster launched his advertising campaign in a matter of weeks. He quickly saw results, with new patients coming in the door directly as a result of his marketing plan. He was especially excited to see the grocery store receipt promotion (which he was a bit skeptical about at first) doing particularly well. “I had a perfectly healthy business, but my bank wouldn’t offer me a loan. I was able to get a loan from On Deck in a week, put my marketing campaign into effect and as a result I am seeing more patients than ever. ” Dr. Foster says.

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