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OnDeck

|Nonbank Lender|United States
$5,000 to $250,000
Loan Amount
625+
Credit Score
$10,000
Monthly Revenue
1 Year
Time in Business

Our OnDeck Review

4.0/ 5.0How we rate

At OnDeck, we make small business a big deal. Our passion for Main Street and the cutting-edge technology we use to evaluate businesses based on their actual performance, not solely business owners’ personal credit scores, make it possible for us to responsibly expand access to credit. This allows businesses to spend their time where it provides the most benefit—on their customers, not looking for a small business loan.

Who Is OnDeck Best For?

Based on eligibility requirements and available products.

  • Businesses with good (but not perfect) credit
  • Businesses with commercial real estate financing needs
  • Businesses that need flexible, revolving access to capital

Financing Options

Line of Credit
Term Loan

Eligibility Requirements

Time in Business
1 Year
Minimum Credit Score
625
Minimum Monthly Revenue
$10,000

Quick Overview

Loan Amount$5,000 to $250,000
GeographyUnited States
DoughRating
Products2

OnDeck Pros & Cons

Pros

  • Lends nationwide

Cons

  • Requires $10,000+ in monthly revenue

Frequently Asked Questions

OnDeck offers financing in the range of $5,000 to $250,000.

OnDeck typically requires a minimum credit score of 625. Businesses with scores above this threshold are more likely to qualify for favorable terms.

OnDeck offers the following financing products: Line of Credit, Term Loan.

OnDeck requires a minimum of 1 Year in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

OnDeck provides financing to businesses across the United States.

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OnDeck Review (2026) | Line of Credit Lender | BreadRoute