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OnDeck logo

OnDeck

Levr partner
Online lender for business lines of credit and term loansNew York, New YorkBased in New York; service area not yet provided
BBLL 000164Listed Oct 2026On LevrLast checked Oct 31, 2026
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About

OnDeck offers business term loans and revolving credit for operating businesses. Compare the repayment schedule, fees, security and early-payoff conditions on the specific product you are offered.

Online lender. Takes applications and makes credit decisions online.

What they lend

Business lines of creditTerm loansWorking capital loans
General small business
From the lender's own site and public records.

A second look at OnDeck

OnDeck offers business term loans and revolving credit for operating businesses. Compare the repayment schedule, fees, security and early-payoff conditions on the specific product you are offered.

An OnDeck family company or Celtic Bank, depending on state and loan attributes; agreement identifies the lender.

Published by Levr, not by OnDeck. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Business term loan

Amount
$5,000 to $400,000
Repayment
Up to 24 months. Fixed daily or weekly payments
Fees and cost
Origination fee 0%–4%; 0% restricted to qualifying repeat renewals.
Security
General lien on business assets and personal guarantee; specific assets or appraisal not required, per FAQ.
Early payoff
100% remaining-interest waiver only for qualifying prepayment-benefit option. Otherwise product page states 75% of remaining unpaid interest is owed; confirm agreement.
Historical cost disclosure
Provider-published average APR: 53.2% for loans originated in the half-year ending June 30, 2026. This is a historical average, not a minimum, current quote or market benchmark.
Published entry requirements
At least 12 months in business, $100,000 annual revenue, personal FICO 625 and a business checking account. Meeting minimums is not approval.
Credit inquiry
Soft personal credit check when determining eligibility. Product page advertises no hard pull to apply.
Availability and restrictions
Not available in North Dakota. Restricted examples include mortgage and non-mortgage loan brokers, nonprofits, government/public administration, money services, gambling, drug dispensaries, firearms vendors and several vehicle-dealer categories. Full official list controls.

Provider sources: Official Business term loan details · Credit-check FAQ · Application requirements · Restricted businesses

Business line of credit

Amount
$6,000 to $200,000
Repayment
12, 18 or 24 months. Weekly or monthly
Fees and cost
No monthly, draw or origination fee. Late or returned-payment fees may apply. Interest applies to drawn funds.
Security
FAQ describes the line as unsecured; do not infer no personal guarantee.
Historical cost disclosure
Provider-published average APR: 59.8% for loans originated in the half-year ending June 30, 2026. This is a historical average, not a minimum, current quote or market benchmark.
Published entry requirements
At least 12 months in business, $100,000 annual revenue, personal FICO 625 and a business checking account. Meeting minimums is not approval.
Credit inquiry
Soft personal credit check when determining eligibility. Product page advertises no hard pull to apply.
Availability and restrictions
Not available in North Dakota. Restricted examples include mortgage and non-mortgage loan brokers, nonprofits, government/public administration, money services, gambling, drug dispensaries, firearms vendors and several vehicle-dealer categories. Full official list controls.

Provider sources: Official Business line of credit details · Credit-check FAQ · Provider FAQ and disclosures · Application requirements · Restricted businesses

When it may fit

Our assessment of the published programs

  • Established businesses needing a lump sum or repeat working-capital access that can sustain the offered frequent repayment schedule.

What to weigh carefully

  • Pre-revenue startups, North Dakota businesses, restricted industries, and applicants needing long amortization or low-cost capital.

Questions before you accept an offer

  1. What is my offered APR and total repayment after origination fees?
  2. Which legal entity funds this agreement?
  3. What is the exact daily, weekly or monthly payment?
  4. Does my offer include full prepayment savings?
  5. What lien and personal guarantee apply to this product?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Bluevine

Compare a bank-issued revolving credit option, including its repayment-plan requirements.

Fundbox

Compare a credit line with terms that depend on the application channel.

The lender

Type
Online lender
Legal name
Not yet provided Add it
Founded
Not yet provided Add it
Charter
Not yet provided Add it
Headquarters
New York, New York
Service area
Based in New York; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
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Also lends to consumers
Not yet provided Add it
Website
ondeck.com
LinkedIn
Company page

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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