Get Funded OnDeck has been helping small businesses access fast, reliable financing since 2006. As a leading online small business lender, OnDeck provides trusted funding solutions designed to help business owners manage cash flow, cover expenses, invest in growth, and move their businesses forward with confidence.With a quick online application process and funding available in as little as 24 hours for eligible businesses, OnDeck helps business owners access capital without the delays often associated with traditional banks.What does OnDeck offer?OnDeck offers business financing designed for speed and simplicity. Funding options include:Small Business LoansBusiness Line of CreditBusiness Term LoanFree Business Credit Score CheckHow can OnDeck funding be used?Businesses use OnDeck's quick funding for working capital, payroll, inventory, equipment, marketing, expansion, seasonal expenses, and unexpected costs.Why choose OnDeck?Quick online application process with no hard credit pulls.Funding available in as little as 24 hours for eligible businesses.Transparent financing options with clear terms.Business credit bureau reporting to help build business credit history.Dedicated customer support.Trusted record of serving small business owners nationwide since 2006.Experience delivering over $25 billion in funding to businesses across a wide range of industries.Whether you're planning a major investment or just need extra working capital, OnDeck helps small business owners access fast and straightforward financing to keep moving forward.Learn more about OnDeck at ondeck.com.Same-Day Funding is only available Monday – Friday before 10:30 a.m. ET. If checkout is done before 10:30 a.m. ET, funds will typically be available by 5 p.m. local time the same day. If checkout is done after 10:30 a.m. ET, or on a weekend or bank holiday, it will not qualify for Same-Day Funding and funds will be deposited within 2 – 3 business days.
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Is OnDeck legit?
OnDeck (ondeck.com) has a 4.7 out of 5 rating on OK.one, based on 136 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 91% rating it 4 stars or higher; The business has replied to 91% of negative reviews; Reviews mostly discuss User experience, Customer service. Last updated 2026-08-31.
What reviewers say
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Reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the staff is exceptionally helpful, professional, and dedicated to guiding them smoothly through various funding choices. People consistently appreciate how simple and fast the online platform and loan application process are for their growing small businesses.
Some reviewers were not happy with the customer service regarding communication issues and unreturned phone calls when seeking assistance. A few consumers noted that getting direct support or reaching someone on the phone proved difficult when trying to resolve specific account details. Others mentioned experiencing delays and broken promises after initial approvals were granted.
Auto-generated from all reviews of this business. For reference only.
I am satisfied with my experience for the most part. Although I did not receive the amount of funding needed and the rates are standard, the process was quick and easy. My representative Amanda R. was quick to respond and address any questions and/or concerns I had.
Reply from OnDeck2026-08-03
We're glad to hear that the process was quick and easy for you! It's wonderful to know that our team was responsive and helpful in addressing your questions. We appreciate your feedback.
My Loan officer Dylan was a marvelous assistant in securing the Line of Credit I requested. He contacted me both via phone and email (which I prefer email) as my application was moving through the process, keeping me up-to-date on every step. OnDeck was recommended by Quickbooks Capital, and I can see why - they have respectable terms, very prompt service, friendly and attentive loan officers, and products that fit exactly the Working Capital requirements I required.
Reply from OnDeck2026-08-03
We are so glad to hear that you had such a positive experience securing your Line of Credit. It's wonderful to know that our team kept you informed every step of the way, and that our services met your working capital needs. Thank you for sharing your feedback!
Jordan was very pleasant and knowledgeable! He answered all of our questions with ease and precision and backed them up with emails...that helped us immenseley. We are looking forward to working together.
Reply from OnDeck2026-08-03
We're so glad to hear that our team member was able to provide such clear and precise information, and that the follow-up emails were so helpful. We truly appreciate your kind words and look forward to working with you!
Very easy and straightforward process. Joe Gorman answered all of my questions and helped me through each step. Very professional and helpful. I got the funding I needed quickly. I look forward to a long working relationship with OnDeck.
Reply from OnDeck2026-07-27
We're so pleased to hear that you found the process easy and straightforward! It's wonderful that our team member was able to answer all your questions and help you quickly secure the funding you needed. We look forward to a long working relationship with you too.
My advisor Dylan was great. Professional, friendly and to the point. He worked with me to get the rescue capital my business needed as well as additional capital to fuel our growth, with several options to choose from. Thanks a ton!
Reply from OnDeck2026-07-27
We're so glad to hear about your positive experience! We appreciate your kind words about our team's professionalism and their ability to provide the capital and options needed for your business's growth. Thank you for sharing!
Joe G was very helpful with explaining everything throughout the process. I liked that I had a couple loan options and was able to find the right one for me.
Reply from OnDeck2026-07-27
We're so pleased to hear that our team member was helpful in explaining everything and that you found the right loan option. Thank you for your kind words!
Joe G. truly made the entire process so easy. He was thorough in his explanation of products offered, terms, and was clear and helpful with all of our questions. Such a smooth experience.
Reply from OnDeck2026-07-27
We are so glad to hear that you had such a smooth experience. It's wonderful that our team was thorough in explaining everything and helpful with all your questions. We truly appreciate your kind words!
It is a rip off. They call you. They insist. They call a hundred times. Finally they offer you the world. They are lying. Finally you believe them. They are always lying. THEN you find out. As you receive the money, SURPRISE. Huge interests and a terrible payment schedule. As soon as I call (less than 7 days after receiving the money) I call.
Another surprise. Even if you pay today you have to pay interest for a year. A tru rip off.
Avoid it please.
Reply from OnDeck2026-07-27
Hi Jose, Thank you for sharing your feedback.
Our goal is to provide transparent financing options. We ensure all terms, including total cost and repayment schedules, are clearly outlined and accepted before any funds are disbursed so business owners can make informed decisions.
If you have questions, our Customer Service team is available at (888) 556-3483.
dylan was great. I must say very disappointed with the line of credit I received based on the amount of orders I have. I have over 500K in process of jobs that I will get paid on the next 8 weeks with 40-50% profit margin and another 400K on orders this year and we have 5 months left. So I will do around 1.3 million or more this year with a profit margin of 40-50% this year and all I received is 24K. It is kind of a joke.
Reply from OnDeck2026-07-27
We're happy to hear that our team member provided great service. We understand your disappointment regarding the line of credit amount, especially given your significant order volume and projected profitability. We assure you that we consider various factors in our credit assessments, and we appreciate you sharing your perspective on this. Your feedback is valuable as we continuously review our processes.
The application and review process were fast and easy. My Lending Advisor Jay F. walked me through each scenario and was very patient with all of my questions. He made me feel confident that I was making an educated decision and didn't pressure me to choose one product over another.
Reply from OnDeck2026-07-27
We're delighted to hear that your application and review process was fast and easy. It's wonderful that our team was patient and helped you feel confident in your decision. Thank you for your positive feedback!
This has been such an amazing experience I am so delightful
This has been such an amazing experience. As a business owner to be able to have the opportunity to expand my business and have the funds available within a day it’s truly amazing. The process has been very easy in Jordan Bousman has been a great representative and made this whole experience very easy for me. He answered every question that I had and made me feel comfortable in my choice and I did not feel rushed at all. I love that thank you again. I look forward to this partnership and all the business who we will do together.
Reply from OnDeck2026-07-23
We are so happy to hear about your positive experience with us! It's wonderful to know that we could help you expand your business with such ease and speed. We truly value your feedback and are delighted that our team made you feel comfortable and supported throughout the process. We look forward to a successful and lasting partnership with you.
We are so pleased to hear that the process was simple and easy for you! We always aim to make things as straightforward as possible. Thank you for your feedback.
They will loan you , but you will pay 65% interest. If you're late they will tag on daily interest on top of the 65%. Get a loan anywhere else use a c card..do anything before using these guys
Reply from OnDeck2026-07-24
Hi Edward, thank you for providing feedback. There are multiple variables that go into why we price the way we do, and we do our best to ensure our terms are clearly laid out on each contract. If you have additional questions, please contact our dedicated OnDeck Customer Service team at (888) 556-3483.
Quick and easy no hassle. Recommend Jacyree when you need capital now or just to make sure you have it when you need it.
Reply from OnDeck2026-07-27
We're so glad to hear that you found our process quick and easy, with no hassle! It's fantastic to know that our services are helpful when you need capital.
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