OnDeck Reviews
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About OnDeck
OnDeck provides term loans and lines of credit for small businesses. Businesses must have been in operation for at least a year with a minimum of $100,000 in annual revenue to qualify. Repayment terms are offered up to 24 months on term loans, and lines of credit are revolving. Loans are available for up to $250,000 and lines of credit up to $100,000. Origination fees and interest rates apply.
- Flexible secured loans
- Multiple repayment terms
- Small business specialty
- Same-day funding
- Restricted industries
- Not available in all states
- High interest rates
OnDeck Reviews
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Reviewed Oct. 30, 2025
Cynthia ** is so helpful and is always quick to help us when we need it most! She responds within a business day and gets things done! I appreciate her working with us. The process is extremely easy and she makes it seem seamless. 100% recommend anyone giving her a call if they are in need of quick funding for their business.
Reviewed Sept. 29, 2025
This company keeps calling me multiple times a day to offer me their services, using a different agent each time, even though I have told them EVERY SINGLE TIME that I am not interested & do not want them calling me, and that they are in engaged in the continuous & repetitive harassment of a disabled veteran by doing so. I am on the Do Not Call registry and have been since 2012. It is absolutely disgusting & cringeworthy that they continue to allow their employees to do this. IT IS BORDERING ON PREDATORY. I would stay as far away from this business as possible.
Hi David, We’re sorry to hear about your experience, and want to thank you for providing this valuable feedback. Our dedicated OnDeck Customer Service team will get in touch with you to better understand what happened. In the meantime, you can also call us at (888) 556-3483.
Reviewed Sept. 17, 2025
I’m very impressed with the outstanding service I received. The team was not only professional and easy to work with, but they also made the entire process quick and stress-free. Everything was explained clearly, and the funding came through promptly without any issues. It’s rare to find a company that delivers both excellent customer care and fast results, but they did both exceptionally well. Highly recommend!

Reviewed Sept. 5, 2025
The amount of solicitation I have gotten from working with OnDeck is truly insane. After 5 years, I daily receive emails and phone solicitations. No matter how many times I remove myself from the solicitations, there is another company looking for my business. I very rarely write reviews, but this has been impossible to navigate in removing my information. They must make so much money on the list sales because they have sold to every tom dick and harry in the industry. VERY FRUSTRATING!
Hi Stacey, To protect your privacy all customer account questions/updates must be answered/made by a customer support representative. You can contact our team at customerservice@ondeck.com] or (888) 556-3483
Reviewed Sept. 4, 2025
Have a 6 year old business and needed a line of credit but covid issues kept us from being able to use our bank. Went through OnDeck because they said they were fast and easy. They were neither. Dragged us on for weeks and kept asking for more documents and more documents. Finally they said all they needed was a month to date. We provided that and without a word they pulled their funding offer. I don't mind that they wouldn't fund us, what I mind is that they wasted 3 weeks and dozens of documents that weren't simple to get and *then* denied us. Up until they got the month to date it was all, "we'll fund in 24 hours, everything looks great, no worries."
Hi Joel, We are sorry that we could not meet your business lending needs. Many factors go into our approval process, and we strive to make reasonable decisions for our company and customers. Feedback and suggestions are always being evaluated and we will share your feedback with our teams. For further assistance, please contact our dedicated OnDeck Customer Service team at (888) 556-3483."
Reviewed July 12, 2025
I wouldn't trust this company for a loan. Totally insane interest rates and they lied to me saying that once I got halfway through my loan and wanted to take out new funding, the interest would be forgiven. That was a total lie and they denied me from it, but yet they kept harassing me afterwards to get new loans with them. People are total scammers here and I would not trust this ever again to get a loan. I even gave them feedback on an email privately because they kept begging to get new funding, and they refused to even reply to my bad experience so I'm going to leave a public review here so people know that they are not honest.
Hi Brittany, We are sorry that we could not meet your business lending needs. Many factors go into our approval process, and we strive to make reasonable decisions for our company and customers. Feedback and suggestions are always being evaluated and we will share your feedback with our teams. For further assistance, please contact our dedicated OnDeck Customer Service team at (888) 556-3483."

Reviewed June 11, 2025
I applied with OnDeck as a well-qualified business owner expecting a fair and professional process. Instead, what I experienced was dismissive treatment, poor communication, and an utter lack of effort when it came to verifying my identity. A representative named Madison ** handled my application and denied it without even attempting to verify my information properly. No outreach. No clarification. Just a flat-out denial based on something that could have easily been resolved with a simple phone call or email. That’s not how you treat a serious applicant — especially not one with a strong credit profile and years of experience running a legitimate business.
When I raised my concerns, I wasn’t met with any understanding or attempt to remedy the situation. It was clear that I was just another number to them. As someone who takes pride in their work and reputation, I found this dismissive attitude completely unacceptable. I’m not a desperate borrower — and I don’t appreciate being treated like one. OnDeck had the opportunity to earn my business and completely fumbled it. This review reflects my honest experience, and I hope it serves as a warning to other business owners looking for responsive, respectful service. Look elsewhere.
Hi Calvin, We are sorry that we could not meet your business lending needs. Many factors go into our approval process, and we strive to make reasonable decisions for our company and customers. Feedback and suggestions are always being evaluated and we will share your feedback with our teams. For further assistance, please contact our dedicated OnDeck Customer Service team at (888) 556-3483.
Reviewed May 30, 2025
I had a fantastic experience working with Alexander. He is extremely professional, polite, and efficient throughout the entire process. Alexander took the time to carefully assess my financial needs and offered clear, straightforward options tailored to my situation. His guidance made what could have been a stressful process feel seamless and manageable. I would highly recommend Alexander to anyone seeking reliable and knowledgeable financial assistance.
Thank you for sharing your fantastic experience with Alexander. We are thrilled to hear that his professionalism, efficiency, and personalized guidance eased the financial process for you. Providing stress-free and thoughtful service options are precisely what we aim for, and knowing Alexander successfully surpassed your expectations is truly rewarding. We greatly appreciate your recommendation of him for those in need of solid financial support. It's experiences like yours that endorse our commitment to excellence. Please feel free to reach out should you need any further assistance in the future.
Reviewed May 2, 2025
The representative Scot helped me restructure my current loan and got me more funding needed for business improvements. He made the process very simple and did not draw out the process. I highly recommend Ondeck and especially Scot. If anyone is in need of additional capital for their business, then it would be very wise to take advantage of their offers.
Thank you for sharing your positive experience with OnDeck and for highlighting Scot’s exceptional help! We are delighted to hear that Scot made the loan restructuring process not only smooth but also beneficial by securing additional funds for your business improvements in a timely manner. Your recommendation means a lot and reinforces our commitment to providing valuable support to businesses seeking capital. Should you or anyone else need assistance in the future, we are here to help. Thank you for choosing OnDeck!
Reviewed April 30, 2025
Working with Anastasia at On Deck has been a fantastic and quick experience. She's efficient, communicates clearly, and ensured funding was completed quickly. We’ve consistently had great experiences with On Deck and truly appreciate their reliable support to grow and improve our 15-year-old Automotive repair business. We have recommended them to many other businesses.
Thank you for your wonderful feedback and for choosing On Deck for your financial needs! We are thrilled to hear that Anastasia provided you with speedy and clear communication throughout the process, enhancing your funding experience. It’s great to know our services have consistently met your requirements and supported the growth of your automotive repair business over the years. Your recommendation to other businesses speaks volumes, and we truly appreciate your trust and advocacy. If you ever require further assistance, please feel free to reach out whenever need occurs. We’re here to ensure your continued satisfaction and success!
Reviewed April 11, 2025
Scott has always had my best interest in mind and has always been there to help. He has made it easy for me to have all my loan options right in front of me and went over the positives and negative of each option and is very good at covering the exact numbers
Thank you for sharing such a positive review regarding your experience! We are delighted to know that Scott is committed to your best interests and provides knowledgeable assistance throughout your loan options. It’s wonderful to hear how his diligent evaluation of both positives and negatives, as well as meticulous attention to numbers, contributed to a transparent and helpful decision-making process. If you need deserve any further guidance along the way, we’re here to support you. Please feel free to reach out to us anytime.
Reviewed April 10, 2025
Anna (Anastasia **) was very helpful, extremely knowledgeable and very professional in helping us decide our business needs. She responded quickly and was able to answer any questions we had. We had a great experience and will use OnDeck in the future. We hope to keep Anna as our account manager as well.
Thank you so much for sharing your exceptional experience with OnDeck! We're thrilled to hear that Anna's profound professionalism, expertise, and timely responses facilitated a pleasant decision-making process for your business needs. Your desire to keep working with Anna and us in the future is genuinely delightful and reflects the valued relationship we aim to build with our clients. Should you have any questions or require further assistance at any time, don’t hesitate to reach out. We’re here to ensure your continued satisfaction and success with OnDeck.
Reviewed April 9, 2025
Have Always had a good experience with On Deck. So easy and painless. This is the third time we have used On Deck for funding and will be back again for any funding we might need in the future. Our agent made the process.so easy. Was really happy that they offered a line of credit now which is what I needed.
Thank you for sharing your fantastic experience with On Deck! We're delighted to know that working with us has been easy and painless, leading you to choose our services for a third time. It's wonderful to hear that the addition of a line of credit was just what you needed, and we're proud that our agent's dedication made the process simple for you. Your willingness to return to us for future funding says it all, and we truly appreciate your continued trust in us. Should any questions arise or additional assistance be required, we're always here to help.
Reviewed April 7, 2025
I have received excellent service in obtaining working capital from On Deck. They always come through for me. I am pleased with their loan process and ease in obtaining loan funds in a very short period of time. The loan representative is always available and responds quickly to all inquiries by email.
Thank you for sharing your wonderful experience with On Deck! We're thrilled to hear that you are pleased with our loan process and the prompt assistance provided by our loan representative. It's gratifying to know that we’re able to quickly support your working capital needs, ensuring the ease and availability you rightly deserve. We appreciate your kind words and your trust in us; our team is always here to assist you. Don’t hesitate to reach out should you need anything further.
Reviewed April 4, 2025
Ana was the OnDeck rep that helped me get a renewal on my business loan. She was very patient and kept me informed with every step of process. I got approved and was able to pay off my other business expenses. I would work with OnDeck and Ana again for my business loan needs.
Thank you for sharing your positive experience with Ana and OnDeck! We're thrilled to hear that Ana's patient support and detailed communication throughout your loan renewal process made a great impact. Congratulations on your approval and successfully managing your business expenses. It's fantastic to know you're open to working with us again in the future, and we're committed to providing ongoing assistance for your business needs. If you have any further questions or need assistance, please reach out anytime.
Reviewed April 4, 2025
The process with OnDeck's online application and agreement is very easy to follow and access funds. The agent that I have worked with is very professional and knowledgeable of different programs to meet the needs of my business. I appreciate how quickly the process moves as well. I have worked with Scott over several years and Ondeck since 2016.
Thank you for sharing your delightful experience with OnDeck! We're thrilled to hear that our online application and professional team have consistently met your needs. It's fantastic to know that the process is fast and easy, especially with long-standing partnerships like yours since 2016. We appreciate your loyalty and trust, and Scott's professionalism clearly enhances your experience with us. Should you need further assistance at any time, we're here and ready to support your business growth.
Reviewed April 1, 2025
Ana helped us renegotiate our loan after my husband suffered an illness. She was quick, efficient, thorough, and very helpful. We have had nothing but good experiences with OnDeck. We have used them on several occasions and have always had wonderful service. I absolutely would not hesitate to recommend them!
Thank you so much for sharing your positive experience with us! We are delighted to hear that Ana was able to assist you efficiently and that your interactions with us have been consistently pleasant. Your recommendation profound and kindness are greatly appreciated, and we look forward to continuing to provide you with excellent service in the future. Please don't hesitate to reach out if there’s anything else we can do for you.
Reviewed April 1, 2025
I have been doing business with OnDeck for the past 7 years. They have always found solutions for my business needs in the form of LOC funds or term loans. Anastasia is my current representative and she did a wonderful job getting my latest needs addressed. If you need any assistance with some no stress business solutions I would give Anastasia a call. Paul - Idaho.
Thank you for your wonderful feedback! We are thrilled to hear that Anastasia has consistently provided such excellent service that we've been able to meet your business needs effectively for over seven years. Your endorsement means a lot to us, and we truly value your loyalty and trust. Should you require any further assistance, feel free to reach out—we're always here to help you and your business move forward.
Reviewed March 31, 2025
Working with Ana ** at OnDeck is a pleasure...she is always professional, efficient, prompt, timely, understanding, flexible....and provided a great overall business experience working with her. I would recommend to all the chance to work with her as you will be served well, happy with the results and will enjoy the experience along the way.
Thank you for sharing your splendid experience with Ana at OnDeck! We are overjoyed to hear how professional and efficient she was in delivering a great business experience for you. Your recommendation greatly inspires us, and we are thrilled that you found working with Ana not only satisfactory but enjoyable as well. If there are any more ways we can assist you, please feel free to let us know.
Reviewed March 29, 2025
We have had the chance to work with Anastasia on multiple occasions. Being a small business in this day and age is difficult and her help has been essential. She is always quick to respond to questions and very professional. We would not hesitate to work with her again in the future.
Thank you for taking the time to share your positive experience! We're thrilled to know that Anastasia has provided such essential support for your small business needs. Her prompt responses and professional approach seem to make a real difference for you, and we couldn’t be happier to hear about it. Your enthusiasm to continue working with her says it all, and we are committed to maintaining the high level of service you’ve come to expect. If you ever need further assistance, don’t hesitate to reach out.
Reviewed March 29, 2025
Anastasia, was super friendly and very knowledgeable. Anastasia kept me informed during the lending process and provided some great options for relief. The lending process was super fast and efficient. The funds were deposited the next day and my payment was very reasonable with a low interest rate. I really appreciate the help during our slow season.
Thank you so much for sharing your outstanding experience! We're delighted to hear how Anastasia's friendly and knowledgeable approach made your lending process fast and efficient. It's fantastic to know that you appreciated the prompt fund deposit and reasonable payment terms, especially during your slow season. We're here to support your business whenever you need us and are thrilled Anastasia could assist you so effectively. If there's anything more we can do, please don't hesitate to reach out.
Reviewed March 28, 2025
On Deck and Scott in particular have been a great resource for my company to grow. From the application process to funding was less than 30 minutes. Partnering with Ondeck who is building my business credit as well is one of the smartest decisions I have made. Thanks again Scott for all your help. Contractors who are on the 60 to 90 day pay cycle need to call Ondeck.
Reviewed March 26, 2025
Anastasia was awesome to work with, understood what I needed and got a package put together that was awesome. The process is fast and easy to do. This is my 2nd time with Ondeck and I’m happy with the service. The best part is that you get options and the walk you through each product and make sure you understand and then you select what you want yourself.
Reviewed March 26, 2025
I worked with Ana, and she has been great in helping us get the funding we need. The process was very easy, and we had various options presented to us quickly. Once everything was selected, our loan was funded the same day, and we received proceeds the following day. Throughout the process, Ana was very quick to reply, and provided all of the information we had requested, and gone over everything in depth.
Reviewed March 26, 2025
I was very impressed with the professionalism and quick responses and action that was provided. I thank Ana very much for her assistance. I highly recommend On Deck others for their business funding needs. I found Ana to be honest and eager to assist me in what I was asking for.
Reviewed March 26, 2025
Anastasia ** was efficient and got us what we needed. Very straightforward process and easy communication. Answered any questions or issues very quickly. She maximized what we could get and was very clear on the process and payments, etc. I would highly recommend dealing with Anastasia. The company overall was very easy to deal with.
Reviewed March 26, 2025
Anastasia and her team at OnDeck made the process of getting a business loan very smooth and friendly. I loved my experience with OnDeck and they continue to provide TLC, checking in to see if they can help in any way. Don't hesitate to give them a call if you need business funding.
Reviewed March 26, 2025
HIGHLY satisfied with the customer service I received throughout the process!!!! I am not good with computers but Jon helped me with every step and made everything very easy!!! I will definitely recommend him to other business acquaintances and call him for all my future needs!!! It seems like there are a lot of options that can be tailored to every individual's needs!
Reviewed March 26, 2025
Hi, I worked with Anastasia **, she was super friendly and easy to work with, she was very helpful and knew what she was doing! I was needing money for my business fast and she totally took care of my needs, I would highly recommend her if you are needing business funding.
Reviewed March 25, 2025
Did a refinance and worked with Scott **. He was patient, kind and simplified the process so I understood completely. The process was fast and easy to see exactly what I was going on in the loan process. If I do a refinance again, I hope I get to work with him!
OnDeck Company Information
- Company Name:
- OnDeck
- Year Founded:
- 2007
- Address:
- 1400 Broadway
- City:
- New York
- State/Province:
- NY
- Postal Code:
- 10018
- Country:
- United States
- Website:
- www.ondeck.com
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