About Our Loans

Using Technology to Help Small Businesses Become More Creditworthy

On Deck's Loan Benefits

• Affordable for small businesses
• Typically up to 50% lower than a merchant cash advance
• Quick decision and cash in hand as fast as 5 business days
• Daily, predictable payment avoids one lump sum monthly payment

FEATURE
Loan Size	$5,000 up to $100,000
Term	6-month and 12-month business financing terms
Payment	Daily payments from account via ACH (Automated Clearing House)
Security	Personal Guarantee
Timing	Business Financing Decision in 2 business days; Funding in 5 business days

Real Business Loans that Can Help Your Business's Credit

Our goal is to leverage our technology platform to help small businesses build their credit. We want to make your business “Credit Ready”, so that in the future all loan options are available to you when you need it.

Unlike merchant cash advances, On Deck offers real business loans that (when paid as agreed) will help to improve the credit of your business. And because of the short term nature of our loans, your credit history can reflect a successfully re-paid loan in as little as 6 months.

On Deck Offers the Right Size Loan for Your Business

At On Deck, we only give loans to businesses we feel are healthy enough to pay them back. Our technology platform analyzes daily bank balance, cash flow, credit card receipts and designs the best loan to meet the needs of your business.

Clear and Easy to Understand Loan Terms

With every approved loan, On Deck clearly outlines the details of the loan - including the loan amount, total interest, fees and total payback amount. 

Sample $30,000 Loan

A Sensible Alternative to a Small Business Loan

Today many small businesses have difficulty accessing traditional bank capital – frequently because banks judge them strictly based on their personal credit score. At On Deck Capital, our breakthrough technology platform can more accurately analyze the health of a small business - allowing us to provide loans to many businesses that the banks turn down. While our loans are more expensive,  they are typically up to 50% less than a merchant cash advance, can be funded in 5 business days and are a sound alternative to a traditional bank loan.

Get Started with On Deck and see your lending options in just 5 minutes. Free & No obligation.