OnDeck

OnDeck has been lending to small businesses since 2006 and operates as a direct, national nonbank lender — no third-party brokers in the middle. Term loans run from $5,000 to $250,000 and lines of credit up to $100,000, giving you options for both one-time purchases and ongoing working capital. Eligibility for term loans starts at a 625 credit score, $10,000 in monthly revenue, and one year in business; the line of credit carries slightly looser thresholds. The application uses a soft credit pull, so checking your eligibility won't affect your score. Funding can arrive same-day or within 24 hours. With nearly two decades of operating history and thousands of positive customer reviews citing fast funding and responsive support, OnDeck is a well-established option for small businesses that need capital quickly and prefer a straightforward online process over a traditional bank.