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
AI generated
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.
Working with Jordan was seamless! So responsive, helpful, and truly a joy to work with. I was funded within 24 hours of getting them everything they need, and Jordan was helpful when I was struggling to get the last piece. At no point did I feel like I was being ignored or dropped; he was accommodating with my schedule and didn't push me until I was ready to proceed!
Reply from OnDeck2026-07-21
We are so glad to hear that your experience was seamless and that our team was responsive and helpful throughout the funding process. It's wonderful to know that we could accommodate your schedule and ensure you felt supported every step of the way.
B
Benjamin Hollingsworth · 1 review · Experienced 2026-07-16 ·
★★★★★
10 star service
Charles C was great in helping me move forward in opening a line of credit. This was a huge milestone, yet he made the decision feel easy. He was extremely knowledgeable and answered every question I threw at him. He was very thorough in giving me all of the facts upfront so I could make the right choice for my small business. I could tell he had my best interest at heart and he enjoys helping people. Charles made this a positive experience because he gave me all the information I needed to move forward with 100% confidence.
Reply from OnDeck2026-07-21
We are so pleased to hear about your positive experience and how helpful our team member was in assisting you with your line of credit. It's wonderful to know that we provided you with the necessary information and confidence to make an informed decision for your small business. We truly appreciate your kind words and valuable feedback.
Doing business with On Deck is very straightforward. No gimmicks. The clarity is what attracts me to come back
Reply from OnDeck2026-07-21
We're so happy to hear that our straightforward approach and clarity resonate with you. We appreciate your continued trust!
G
George Kotsopoulos · 1 review · Experienced 2026-07-16 ·
★★★★★
Lending Advisor Joe Gorman was…
Lending Advisor Joe Gorman was proficient and professional when answering my questions. He assisted me in obtaining business funding to help grow my law firm.
Reply from OnDeck2026-07-21
We're so glad to hear about your positive experience! It's wonderful that our team member provided such clear guidance and helped you secure funding for your business. Thank you for your kind words.
P
Preston · 1 review · Experienced 2026-07-16 ·
★★★★★
Charles C
Charles C. was fast and very helpful to get my Line of Credit for my business!
Reply from OnDeck2026-07-21
We're so glad to hear our team provided fast and helpful service for your business's Line of Credit! We appreciate your positive feedback.
L
Lee · 1 review · Experienced 2026-07-13 ·
★★★★★
I had a great experience through the…
I had a great experience through the entire process. The application to the approval was very seamless and efficient. Everything was handled online from the approval through the closing. I really like the online checkout process. Jordan was very thorough and helpful while not adding any unnecessary pressure at all. Thank you guys for a great experience!
Reply from OnDeck2026-07-21
We are so pleased to hear about your positive experience and that the entire process, from application to closing, was seamless and efficient. It's wonderful to know you appreciated our online checkout and the thorough, helpful support you received. Thank you for sharing your kind words!
S
Salman Shah · 1 review · Experienced 2026-07-15 ·
★★★★★
Very easy process and Jordan made it…
Very easy process and Jordan made it everything very smooth in few minutes. It is a great for my business needs and nature of my business.
Reply from OnDeck2026-07-21
We're delighted to hear that the process was easy and smooth for you. It's wonderful to know that our services are a great fit for your business needs!
J
James Powell · 2 reviews · Experienced 2026-07-14 ·
★★★★★
Jordan Bousman was great to work with
Jordan Bousman was great to work with. He made the process seamless and responded quickly to my questions.
I highly recommend Jordan and look forward to working with him in the future.
Reply from OnDeck2026-07-21
We're so pleased to hear that your experience was seamless and that our team member was quick to respond to your questions. We appreciate your kind words and look forward to assisting you again in the future!
Amanda Rodgers was incredibly professional, knowledgeable, and efficient throughout the entire process. She made everything simple and kept me informed every step of the way. From application to funding, the entire process was completed much faster than I expected. I truly appreciate her outstanding service. Highly recommend!
Reply from OnDeck2026-07-21
We're so glad to hear that the process was simple and that you were kept informed every step of the way. It's wonderful to know that the entire process was completed faster than you expected. Thank you for your kind words!
E
Encore · 1 review · Experienced 2026-07-14 ·
★★★★★
Very quick process
Very quick process. Awesome Loan Advisor was very helpful. Thank you Charles!
Reply from OnDeck2026-07-21
We are so pleased to hear that the process was quick and that our team member was very helpful. Thank you for your kind words!
B
Brian Dumont · 1 review · Experienced 2026-07-14 ·
★★★★★
OnDeck's lack of humanity
After taking a loan with OnDeck, a few months later my company experienced hardship with respect to cashflow. When I called and emailed them several times, the best they would do is offer a one-month payment reduction while STILL considering the loan as delinquent and telling credit rating agencies this. Because they consider it delinquent, they charge additional fees and are incredibly rude when trying to negotiate to keep the account current. In fact, they have been the least willing finance company I've ever worked with to arrive at a fair and equitable settlement. They make no actual accommodations and they blacklist you even when you are making unreasonably high payments to accommodate their timeline. I highly recommend NOT doing business with these criminals.
J
Janet Morgan · 1 review · Experienced 2026-07-09 ·
★★★★★
I must say without a doubt
I must say without a doubt, this was a very easy and quick process. Highly recommend
Reply from OnDeck2026-07-21
We are so happy to hear that you found the process easy and quick! We truly appreciate your high recommendation.
J
Joseph Fugere · 1 review · Experienced 2026-07-13 ·
★★★★★
Briana did spectacular job in obtaining…
Briana did spectacular job in obtaining my loan.
She is professional, responsive, knowledgeable, thorough, efficient inn all spheres.
Her service went above and beyond and kept me informed every step of the way
I highly recommend On Deck and Briana as account manager.
Reply from OnDeck2026-07-14
We're so pleased to hear about your excellent experience with us and that our team member provided such professional and thorough service. Thank you for your high recommendation!
J
Jesus Solorio · 2 reviews · Experienced 2026-07-13 ·
★★★★★
Fast, easy and very helpful
Jay F was really helpful in getting my account started and answered all my questions in a very clear and concise matter. This was my first business line of credit opened so I was a little nervous about the process. Jay and OnDeck offered better rates and a higher line of credit than other competitors.
Reply from OnDeck2026-07-14
We're so glad to hear that you had such a positive experience getting your account started and that all your questions were answered clearly. It's wonderful to know we could offer competitive rates and a higher line of credit for your first business line of credit!
T
Tanya China · 1 review · Experienced 2026-03-14 ·
★★★★★
Applying with OnDeck was a huge help…
Applying with OnDeck was a huge help for our business. Being one of the newer transportation businesses out here, it was difficult to be approved for funding. Reis, was incredibly helpful with this process. He understood our situation and made sure we understood the entire process along the way. Reis even stayed on the line and assisted us with setting up and completing our first draw while answering all of our questions. Thank you, Reis!
Reply from OnDeck2026-07-09
We are so happy to hear about your positive experience with us! It is wonderful to know that our team could provide such valuable support for your transportation business, especially during those initial stages. We always aim to ensure our clients feel fully informed and supported throughout the entire process, from understanding the steps to completing the first draw. Your feedback truly means a lot to us, and we appreciate you sharing your success.
My small business is in its 2nd very active year. I was buying so much material and not getting paid for 45 days. A temporary boost was needed and On deck was there to help! Quickly servicing my small business loan and approved within 8 hours! Very minimal electronic paperwork. Forbes endorsed! Friendly staff and so helpful!
Reply from OnDeck2026-06-04
We are so happy to hear we could provide the quick support your growing business needed! We appreciate you sharing your positive experience with us.
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