OnDeck Reviews

Highly recommend if this type of financing works for you. When you need to get cash in hand for an urgent matter, this gets it done in a day or two. Anastasia whom was our rep was 100% knowledgeable, a fast responder from early to very late at night and made the process painless.

Anastasia was a pleasure to work with. She made the whole process incredibly smooth and efficient, handling everything with professionalism and a positive attitude. Her communication was clear, and she was always prompt in addressing any questions or concerns I had. I truly appreciate her dedication and expertise, and I look forward to the opportunity to work with her again in the future.

Ana was very helpful in getting me setup to receive the funds. Very nice person to work with. She does a great job in explaining the process. Ana was very patient with me when we first started. I wasn't sure if Ondeck was a good fit for our business. I'm glad I chose Ondeck. It has help our business to continue.

The company is not licensed to lend in New York State. It requires a license with DFS for certain loans and lines of credit. They avoided licensure because their lending practices are illegal. This is exactly the type of thing the Attorney General in NY would love to hear about. Basically, most loans this company has done in NYS are void and enforceable.

I received phone calls and a letter for this company!! So I checked their reviews and I'm scared, shocked, nervous and just happy that I haven't get a loan from this PREDATORY COMPANY!!! 42% Interest!!! You have to be kidding meeee!!! No noo nooo. Stay away and find in honest loan company.

DO NOT USE OnDeck! They are predatory. They prey on people who have nowhere else to turn. 42% interest is such a joke. I called to ask to have my payment pushed back a few days because I was waiting on some invoices from customers and the lady told me they would be charging almost 200 dollars per day on top of what I already owe. Tell me how charging me extra will help when I’m already struggling to pay it as is. Don’t turn to this company for money

Borrowed $45,000 10 days ago, ready to pay off the loan and finding out that I have to pay $61,920 (or a charge of $16,920 for 10 days of financing). I called customer service and asked if I was **, and the customer service rep proudly said yes, and she is proud to work for the company. This is the most egregious business behavior I have ever encountered.

Stay away as they are a grab and go company. I did 4 loans with them. All paid in full. Never late. On my last loan someone did fraud. My account locked until fraud was resolved. After 2 weeks I got my new card. I immediately paid the missed payment in full. I also had let them know immediately what happen. They still denied any future loans. I felt the money that was paid was to build a relationship. Instead it was a grab and go. Stay away and look elsewhere. Also a really high pay back.

The worst company to do business with ever!! This company is absolutely misleading and misrepresents the qualifications they based their decisions only and only on the personal credit. Even though I have very good credit and exceptional payment history some underwriter in a basement decided that is not good enough! I strongly believe that this company engages in fraudulent inducement practices, which are absolutely illegal!!! Don't waste your time with this company. There's plenty of other options and much better companies that are honest and trustworthy. OnDeck is absolutely not trustworthy and absolutely terrible.

The previous comments about this company being predators is absolutely the case. I have had some health issues and had to shut down parts of my business, which led to a reduction in income. The only thing I needed from them was to change my loan payments from weekly to monthly so I can have some relief from overdraft fees. They were unable to change anything. It's bad enough they hit me with 50% interest when I was desperate for cash, but then not to work with me when I needed some assistance makes them absolutely awful. The only solution they were pushing me for was to "renew" or refinance. Why in the hell would I refinance if they are unwilling to work with me and pay interest rates that should be illegal?

If I could give zero stars I would. I reached out to them to set up a line of credit prior to me leaving for a 6-week period to recover from surgery to help take the pressure off. They knew why I had taken out the line of credit as well as the date of the surgery and they changed the terms of my account the week I went out on surgery (or at least that is when I noticed them) so that I couldn't withdraw any funds to cover payroll. I tried to set up payments through a second account. There was nowhere to do that in the customer portal and I was informed by customer support they couldn't support payments from multiple accounts and refused to give me even a routing/account number for my line of credit. I had just finished doing all of that with my primary bank, credit card company, mortgage company, and my business' credit card processors in under 30 minutes total without having to speak to a human being. I find their excuse of "Security Protocols" to be a joke.

This is a completely predatorial loan service. Their interest rates are through the roof and hard to calculate. If you make a payment mid-way through the month it still pays on interest instead directly to the principal amount. When you make a payment it takes days to post which means you get hit with more interest so if you try and pay the amount off in full it keeps you making a ton of small payments for the built-up interest that accumulates while your payment posts. It literally won't let you pay it off. It just continues to strong-arm interest out of you. Avoid this lender at all cost. They are also associated/owned by a company called Enova that has a massive amount of class action lawsuits for violating lender regulations and for stealing money out of people's accounts.

Right now, I am in the middle of a big problem with this company. They don’t seem to care about a customer. Long story short right now I am in the middle of speaking with a lawyer because my business wasn’t doing so great last year with this company and I was past due and we had been emailing back-and-forth until we finally came up with a payment arrangement and for some reason, I was also transferred to a senior negotiator which I did not understand and they said that my account was in the charge off status. So I then continued to Make payment arrangements with the senior negotiator, but then I come to find out that this company reported me as a charge off on my TransUnion.

OnDeck like others in this space charge predatory interest rates. I was told they would get better once you establish a relationship, but they really don't. They charge a ridiculous amount of interest with weekly payments and short terms. Only a very small business segment can actually flip the money from these types of lenders and make it work.

This company has shoddy business practices, and very poor "accounting" processes. During my loan term, I received a fraudulent email from someone claiming to be with OnDeck, and I only caught the fraud because that person was using MY personal cell phone in his signature line as his contact information. I alerted OnDeck - they did nothing.

I had applied through Borrowell, got a phone call, was explained what they could offer.. After listening and asking for more was told in 72 hours I'd have some information on what they could provide... That was three weeks ago... I even left a message and phone number. Two weeks ago... Very poor business service. Didn't get a can't help you or nothing, just silence after handing over all my financial information for review. I will not look for any business help from them again.... So much for being there for small business, more like you're only important if they see dollar signs.. Woulda been nice to even receive an email saying, "Sorry we cannot help you"... Makes a person wonder.... I'll be keeping an eye out for any fraudulent activities with my business

Be VERY WARY of this company! Read the FINE PRINT in their contract(s). On Deck LOVES to sell your personal and business information! They will NOT respond to requests to discontinue doing so. So get ready to be BOMBARDED with spam calls tying up your personal and business phones! Spam emails galore as well. Notice how they don't address details of customer complaints. They either point to the contract or that the CUSTOMER should call them, not vice versa as it should be.

I applied for a very modest $50K in a line of credit to help support and grow my business that has been doing the best it's ever done in terms of revenue and I was denied because I had an insufficient funds on one of the bank statements I provided for proof of income. I run a business and money moves in and out and sometimes more money goes out temporarily and then comes back in. I feel violated that I gave all of my personal and business information to this company who based on my excellent credit, high monthly revenue and time in business was pretty much guaranteed to be approved for either a loan or line of credit. I didn't need a loan. A line of credit would have been perfect for the ebbing of a growing business. How OnDeck doesn't get that I don't understand. You would think that in light of other factors, the insufficient funds issue would have been given the opportunity to be discussed and explained prior to denial. Bad experience.

Put my line of credit on hold for NO REASON! Claimed it was because I had another loan. I am a small business. We need capital to run! All payments were made on time! Never late or missed on both line of credit and loan from Crestmonth which I found out owned part of OnDeck? Hmm. Received a line of credit from OnDeck and it really helped us as a small business. This set us into a financial hardship as we were trying to get through slow season. Hoping I don't need their money in April when they will supposedly reactivate the loan. I would rather have been declined than to have them give me a line of credit than take it away for no reason! Very disappointed.

Filled collection on an account I am not responsible for. I was not a cosigner or responsible for the loan they gave the business. I have the paperwork to prove it. Still they continue to attack my credit for it. Bad business practices. Read the reviews I'm not the only one. Don't fall for it! Use anyone else.

I just don't think this kind of business is ethical. I can't imagine what business can pay 25% and more for a loan and not be hurting someone in the process. Greed is ruining this world and this tank of sharks has to be leading the charge.

My entire experience took less than 48hrs. Within 24hrs of signing the Agreement, the money was wired to my account as promised. Interest rates are a bit high but I would rather pay a high interest to release my stress and sleep better at nights. Now, the only thing left for me is to see if the amount I agreed to is withdrawn from my account each week. I will definitely be giving an update in a week and another one after 30-days.

This company is a ripped off. They try to get all the interest when you sign up for a loan. Because when you want to early pay off they already got all the high rate interest. You just have a very little deductible interest left.

Excellent Company especially our account manager Anastasia **. She is very hands-on with her clients and very knowledgeable. She returns your call, answers all your questions and gives you the best customer service than anyone could ask for. Any companies searching for business loans I would definitely recommend OnDeck to other businesses.

The whole process took about 2 weeks. Johnny was an excellent loan specialist, that moved quickly to assist me with obtaining the funds my small business needed. I was very pleased to see their responsiveness during a time of a pandemic. I highly recommend them.

I can only say great things of them, Scott ** was great, he called me several times to solve all the problems and today my PPP laon got approved. I tried other lending service and they were not close to Ondeck for service and speed.... If you will come across Scott ** you will be very lucky, he is great.

My Payroll company Gusto recommended OnDeck as specialist in PPP loans. Gathering all the documents for this loan was a very tedious process. I was very nervous about making a mistake and then not being eligible for the loan. It was such a help to be assigned to Anthony ** as loan specialist. He looked over everything carefully and made sure all was in place. Once he was assigned to me, the process went very fast and smoothly. If I needed to provide anything in addition, I was send a secure way to upload the documents. I'm forever grateful to having made the decision to go with OnDeck and recommend them highly.

I was referred to OnDeck by my payroll company Gusto. The purpose was to apply for a PPP loan. The process was easy to understand, mostly automated, and went very smoothly. Once I had submitted my documents, I was contacted shortly thereafter by a representative from OnDeck who helped me with the agreements and closing details. I had been a little concerned because I had accidentally put the wrong number of employees in the online application, but this was readily corrected when I let the representative know.

Great customer service! Fast and easy no hassle.. Had a great agent that helped me through the process.. answered any concerns through email in a timely matter. I would definitely recommend you guys to everyone.

I think you work with someone for a payback on a loan especially during a Pandemic and NOT send them into collections for payment. I won't ever use them again... Sandra ** an employee for them, says she'd work with me and then I find out that I'm in collections shortly thereafter.. If she waited a few more weeks like she said they would, I would have paid them off... It's a shame and not necessary to treat a customer that way...

I went with OnDeck to secure a much needed SBA PPP Loan for my small business after first trying unsuccessfully with my bank CHASE. The experience with OnDeck was quick and simple, I was funded within 2 weeks of the initial application. Rachel, Dannita and Maria were wonderful during the process. I'll definitely be using OnDeck for any future financing needs!

I have dealt with OnDeck many times since starting my business 20 years ago. OnDeck was my first thought in regards to applying for a PPP loan during the Covid crisis. Anthony ** was very helpful and my loan was carried out quickly!

In times of Coronavirus when no services were providing personal customer service, Dillon from Ondeck was assigned to take care of my loan. He gave me great feedback and made it happen. It was very important for me to be able to talk to someone in this time of crisis. The customer service is what made the whole difference between Ondeck and other companies that just provided automated responses.

I applied for the PPP Loan in April, 2020 with On Deck. COVID-19 has had a immense financial impact on all small businesses, and mine is no exception. After applying and within a few hours, Jose contacted me to introduce himself and request some documentation. For the last 3 weeks, Jose has contacted me on a daily basis to ensure my loan was processing correctly. He kept me updated, and throughout all of my concerns, he always reassured me that he was steadily working on my account. Jose relentlessly worked for my loan account. There were a few minor glitches that needed correction, and every time underwriting would request further documentation, Jose would reach out and have it submitted immediately after I sent it. He was understanding of small business owners, and I appreciated that he could sympathize with the owners who did not have loan documents readily available - as we did not anticipate this pandemic.

I am very pleased with my experience working with OnDeck and specifically Jose as a loan advisor. Jose was clear and concise and kept me updated throughout the loan application process. I greatly appreciated his guidance.

I got PPP thru OnDeck. OnDeck assigned Jon A as my advisor. He guided me for the every steps. It was such a relief to be connected to him to complete the application and asking questions about the whole process. He was knowledgeable and really understands my concern. This experience was totally different from the major bank. During this difficult time, On Deck and Jon A was such a big help. Jon A was SUPER! Really appreciate. :)

Been screwing around with this company for a week trying to get a PPP. Send more forms and bs, and now says previous application expired and won't let me go further. try using chat no answer. Tried calling no answer, emailed rep Blake and no response. To top it all off, I own 22000 shares of this company's stock. NOT LONG...I WILL SELL IT AT OPEN IN THE MORNING AND TAKE THE LOSS!!!

After many weeks and many many tries to apply for the PPP Loan with our bank with NO response....I reached out to OnDeck and Jose. The process was pretty simple and Jose was amazing working all hours and thru the weekend for us. His dedication to EXCELLENT customer service was amazing. I was able to get all my documents in Friday night and we finalized the loan Monday morning. If it wasn't for Jose....we may have never been able to make it through this time. Thank you Jose!!!!

Jose, Jose, Jose. That is all you need to know. This man worked day and night and weekends to make sure that my small business got the loan it needed to continue operating. He called me just a few minutes ago, on a Sunday, just to let me know that my loan had been approved. He's been working with me for about a week and has helped me through all obstacles we faced in applying. He is amazing and we will definitely be using OnDeck again in the future.

Without OnDeck, our PPP Loan Application would not be successful. Anthony ** played a very instrumental role to have our application ready and complete before SBA started receiving the applications. Thanks to OnDeck in general and Anthony ** in particular for making our loan application get resulted in success.

I have had loans thru On Deck … everything went rest with Adam. They contacted me to help me with PPP submission … I decided to use them since Wells Fargo is awful and doesn't care about small business. Jose from On Deck was assigned my account and was FANTASTIC!!!! He made sure all my paperwork was in order before the 2nd submission date of Monday 4-27 2020. I was submitted … and approved by Tuesday night … and signed papers by end of week. Jose guided me thru the whole process and was patient with my several calls. I have nothing but Top praise for Jose and On Deck. They saved my business with this PPP Loan! THANK YOU!!!

I applied for a PPP loan, having no expectation that I would be able to qualify for one, let alone do so in time. Yet, after working with Stanley **, I not only qualified but was approved within a week. Truly. While I realize that PPP loans are a different species of loan, I was really impressed with how quickly Stan responded to my emails and questions and how quickly and flawlessly the process proceeded. I would not hesitate to recommend On Deck to anyone looking for a loan.

They helped me and communicated with me throughout the process. The underwriters were extremely helpful and responsive. They answered my emails right away. They successfully submitted and funded the loan. Excellent experience!!!

They cancelled my line of credit once COVID19 hit our country. In a way they did me favor as their interest rate was really high. Line of credit was for 15k. Will use my credit card instead. If you read this do not use them as they do not stand behind small businesses. Why apply and sign a contract when they can do this? Not an ethical company when small business counts on them more than ever.

This company had representatives from "zip capital" calling us multiple (6-11) times a day every single day including weekends! Super high pressure sales people who were VERY misleading in order to get us to accept the loan to begin with, which ended up being one of the worst decisions for our business. During the initial hardship caused by this loan we reached out and the company was helpful in offering a lowered payment option for a period of time. Payments are automatically withdrawn from your business account on a weekly basis. Now at a time like this, with the covid pandemic our company has suffered a 93.7% decrease/loss.

I recently finalized my third loan with OnDeck. They treat you with fairness and respect. Something not found with other loan companies. As a repeat customer, the costs to get a loan are almost zero, if not zero. The process is greatly streamlined and simple. I have dealt with other companies and was left feeling taken advantage of or abused. OnDeck has renewed my faith with loan companies.

OnDeck immediately closed my LOC when the Covid-19 Virus Pandemic started. They then asked for financials which I provided. I have a solid company with perfect credit. After reviewing my financials (which are solid and look better than they did a year ago) they stopped all funding with me. Hard to believe a company would do this at this time. My company does social science research and actually needs to hire right now in this difficult time. I would suggest you find another lender that cares about its customers.

Every interaction with OnDeck is a pleasant experience. I was skeptical about an online lender at first. But OnDeck put my fears to rest immediately. We have been with them for 4 years. Our account manager, Chris S is fantastic. The process is fast and easy. OnDeck has been there for us when we needed capital to hire new employees, purchase equipment or pay off some lingering debt. I wouldn't go anywhere else!

I had an account with Ondeck. I cancelled my account and immediately I began receiving hundreds of phone calls. This was almost a year ago and I'm still receiving phone calls daily. I am having to change my cell phone number. Beware that after you do business with them they will sell your information and you will literally be bombarded by funding companies.

We have been working with OnDeck for about 3 yrs now. OnDeck handled everything and their Senior Account Manager Sarah ** is the best. Sarah will keep you informed from beginning to the end of the loan process. If you need a quick loan or just a line of credit, we would highly recommend Sarah ** and the OnDeck Finance Corp. Thank you OnDeck...

Anthony ** was professional, courteous, and always available to answer questions or concerns. He had great follow-through, via both email and phone. In fact, it was Anthony's diligent and timely follow-up today, and his patiently explaining again how the OnDeck line-of-credit works that actually convinced us to use OnDeck for a new line of credit for our company. He also made some great suggestions on how we could use the OnDeck Line-of-Credit to benefit our business and build our business's credit history. Not only is Anthony a pleasure to work with and thorough (he was quick to send us an email he had promised, right after we got off the phone), he is also committed to doing the best for the client and his organization, which is a rare quality today. I would be happy to work with Anthony again!

I have used OnDeck several times for business funding. They have helped me at times that other banks refused and other times I turned to them when I needed a quick answer and funding. They have been a great resource for business capital. The application process has been simple and they have always made me feel like a valued customer.

This company was there for me when my company needed them. I will continue using them in the future to consolidate my bills. They call immediately and are on the processing time quickly. Within a few days the money was in my account. Such a relief was taken off my shoulders. Now I can start fresh. Thank you again!

We have been with OnDeck for at least 5 years and it's our third loan with them. They give quick and bigger approvals and I love their online portal. Makes the process so easy and seamless! Alexis ** is our agent and he's always very helpful. He gave me tips on how to get approved and when we were ready to refinance we got two different approvals that exceeded our expectations.

My OnDeck representative Jonathan was very professional and provided me several loan options and helped me decide which one would be best based on what my finances are now as what they will be 6 months out. This was very important in securing the best plan for me to replay my loan and save money at the same time.

Shakers Roofing and Siding was in a bind from getting burned from a job well done. OnDeck made it super easy and kept me very informed about the very easy process. They were very professional, and made me feel a lot better at a time when my confidence was shaking, thank you OnDeck.

I was looking for capital to expand an operation in my business. This was my 3rd loan. (Honestly my 1st one was a little scary). However, they made the whole process simple and the funds were in my account the very next business day. I was able to take advantage of an opportunity that was not going to last long. Their service is some of the best I could possibly ask for. I would (and probably will) use their services again in the future. Thanks OnDeck.

I needed a short term business loan to purchase some dental equipment. OnDeck had great reviews so I applied online. The customer service representative, Jeremy was very helpful and guided me through the process. I received the funds in a few days. It was a great and easy experience.

Quick easy transparent loan process start to finish. Customer Service compares to NONE. Updated as the process unfolded and followed thru to the closing documents and funding was finished. VERY Pleased with the website and the ability to follow the payback progress.

It was very easy to apply for a small business loan with OnDeck. Our representative was helpful and responsive. The decision was quick and funding was fast. OnDeck has been a huge help to getting our business off the ground.

Ondeck has been amazing to work with. Last year they helped me out with a small business loan and this year with a much needed line of credit. Ondeck always comes thru and with great client service. Brittany ** is an amazing rep and I would never want to work with anyone else.

After reviewing several loan agencies, I found OnDeck to be most rewarding. There was no pressure to hurry up and sign an agreement and they evaluated my needs to what they could offer. As it turns out, they had the best rates and terms that worked with our financial capabilities. Steve ** has done a commendable job in working with our company! I highly recommend him for anyone in need of business financing!

We have secured financing twice with On Deck. It was the easiest and quickest approval process. The terms were flexible to fit our budget. After we paid down our loan 50% they told us we were eligible to refinance our loan and they would take the interest off our first loan and lower the fees associated with second loan. We were given 3 different loan amounts to choose from and funds were delivered to our operating account by midday of the very next business day. All that was required was 3 months business bank statements and our most recent tax return and we were approved within 24 hours. We will definitely use them again if and when the need arises.

I researched Best Egg for a business loan. They referred me to OnDeck. I applied and the money in hand in a few. It only took a few days to resolve my cash flow problem. After 36 years in business, banks never acted this fast. I am so pleased with OnDeck. I can hardly wait to tell my friends and business associates. They have my complete confidence.

They charge about 25% interest and we used them twice and paid on time every time. We needed them a third time and they said no and weren’t even willing to tell us why, we have finally paid off today in full and I’m celebrating being away from these money hungry sharks. Only use if you are absolutely desperate!! Not worth the money they take.

We were in need of a line of credit to pay our bills on time, while waiting on Receivables to come in. Even though we receive payments 3 to 4 times a week, they are not always in the bank the day we need them. By obtaining a line of credit from Ondeck, we are able to pay our bills on time, without getting overdraft in the bank. Ondeck approval time was quick, and a representative, Nathan, called me and walked me through the process online. All questions were answered at that time.

I have been very pleased with my OnDeck experiences. Customer Service has always been wonderful and the process is streamlined. Steve **, Executive Account Manager Team Lead, helped me this most recent time, and he was so wonderful to work with. Highly recommended!

We needed additional capital to complete come projects and OnDeck was a great place to start - the people were extremely courteous and efficient. We got our loan, the way we wanted and the follow-up was fantastic - during the process and after. I would highly recommend OnDeck for your financial needs.

As a small business owner, I have had to go for a loan and the process was very easy. Great customer service. I recommend OnDeck for financial help to anyone needing outside of bank institution loans.

Applied for and got funded first for one loan and later for another one. Both were paid off exactly on schedule. No issues there. Expensive, but worth it for me for funding a rapid growth phase. The issues started shortly after I closed the last loan and turned down their offer for another. They then sold my information to the wolves. I am getting several daily calls, emails, texts from "finance consultants" who now know way too much about me and my business and "want to help". They don't take no for a no, and they keep referring back to my business with OnDeck. This has been going on for half a year and is only getting worse and worse.

My experience with OnDeck has been excellent. They understand the challenges that some small businesses have when trying to establish business credit. OnDeck has served that need from my company. I would strongly recommend them if your company is unable to get a line of business credit or a loan, especially if your personal credit is not that great! My personal credit score has improved and I'm on my way to having strong business credit!

Excellent customer service, will stick with them. As they have done with me. Great partnership, with this company. I can now look forward to growing my business with their support in the future. Britney and her team make the whole process as easy as possible. Very direct and polite to work with.

I have a very interesting experience with OnDeck and they really change my business. It allowed me to really build up and grow my business company. Thank you very much. Looking to continue doing business with OnDeck business loan.

We have always used OnDeck for our small business loan needs and have never been disappointed. Everyone is easy to work with and the process is easy. The options are really flexible and the automatic payments make the process simple and painless.

This company lies so much that they even believe their own lies. They will not be truthful About anything. They are unethical to say the least. Stay away. They will tell you everything you want to hear and come up with excuses for this, that and the other if you do manage to acquire a loan From them. The interest rates will put you into bankruptcy.

If I could leave no stars I would. The absolute worst to work with. My rep has no understanding how the industry works. Basically a glorified receptionist! Had 2 loans with them. The second paying over 40% APR. Was told that because of file requirements was the best they could do but not to worry they wanted to help us grow and would be able to renegotiate at the halfway point. That came and went. Have paid them back over 60k.

I secured a term loan to expand my Business. I questioned their finance officer that I only needed it until I could get money transferred from our other Business Account. Are there any early payoff penalties or charges. They assured me there would not be any. I borrowed 95,000.00 dollars, received 91,800.00, paid 12 payments at 1,691.71. At this time my principal was 83,333.59. I sent ACH 84,000.00 dollars. They then notified me this not option. So I contacted their payoff department. They said they will have to return my 84,000.00 dollars and then I would have to call to a payoff. After a week they returned the 84,000.00 to my account. I then called for a payoff. They said they would email it to me. Well when I got, it I was floored. My payoff was 104,810.89 dollars. I didn’t mind pay interest on the time I had the loan however 21,000.00 over my principal owed is terrible. I don’t recommend OnDeck to anyone!

I talked to OnDeck trying to get a line of credit. I wanted one larger than I currently have at accord. I have spoken to Greg and the rest of his team as well as sending my banking information. They said everything was in order. They needed to review the financials. I waited three days then left a couple messages. Then the next day I left three messages as well as emails. Then I called the 6th day and they were going to get his manager to call my (Female name). She did not call. I waited 6 hours and called and spoke to Jerome who tried his best to help but this was not his file. He did help saying Greg was in the office but on a call. I told him I gave everything they needed but I didn't get a response... feel like I just got lead into a scam... you have my banking information for the business! This is not a company but a SCAM! Don't fall for it!!! If this review doesn't get posted it proves my point and I will post on social media!

A great company to work with if you don't mind being lied to. They quickly approved a line of credit. When I opened my account a year ago I was told my account will be reviewed for a credit increase and, more importantly, an interest rate reduction. I was assured that, if I establish a one year history with no late payments, it would be no problem to reduce my interest rate. After six months they saw that I am never late on my payments and increased my credit limit without my asking. So far, so good. Now, after one year of a flawless payment record they tell me that I will have to close my account and re-apply for a new account to be considered for a lower interest rate. They don't return calls once you are onboard with them. Also, their reviews that they publish on their site through Trustpilot are rather suspect. They are mostly glowing reviews, but when I posted my two-star review they didn't publish it.

PLEASE do not enter into a loan agreement with these California Loan Sharks. They do not disclose the whole truths over the phone and you will not see the loan docs until AFTER you docu-sign them. Here is the dirty: they do charge you a loan origination fee of 1000.00; this was never disclosed until after FUNDING. Their interest rates are HIGH... APR on mine was 74.58%; I was never told this. As I wanted a "short term" loan, I inquired about paying it off early and if there would be any penalties... he replied, "No you can totally pay it off early." Yet another HALF TRUTH as you can pay it off early, but you will pay the interest on the loan in full... less 25% of the total life of the loan interest!

I received a loan from this company with the promise of a renewal when my loan was halfway paid off. I paid outrageous weekly payments of about $4000 per month and never missed a payment. When it came time to renew I was denied, which forced me to continue to be a slave to debt with them. Then they contacted me and said they changed their approval process and said they would contact me the next business day. They didn't even have the professional courtesy to contact me with the "Decline to Renew". They have already made a nice amount of money by taking advantage of me and likely countless other small business owners. I'm writing this to warn others to shop around very carefully before signing a loan agreement with them. You may end up in a worse financial position than prior to obtaining one of their loans. Please beware - it is not worth it at all.

My advisor Maria is awesome. She totally gets the job done. She not only got me funded in 24 hours but you can reach her at any time. For Christmas I’m going to surprise her with a bed because it seems like she sleeps in the office. Who needs banks when there is OnDeck.

I have repeatedly asked to be taken off this company's email list. I have never contacted them myself. This suggests that they are receiving email lists from a disreputable source and are therefore a disreputable company. It is your choice to do business with whomsoever you wish, but a company that receives email addresses and spams indiscriminately cannot ever be on my list of potential business partners. If I receive spam from anyone I automatically refuse to do business with them and I recommend that everyone makes that same choice. If so we will all get less spam.

I got a loan with the promise that it would be better terms the second round, however there is always a reason I don't qualify even though I never missed a payment in 12 months at almost 5000.00 per month. They offered to hold one payment for 2 weeks when I asked for 1 week so a deposit would clear and never told me they would use it against me. Never can get ahold of management no return calls absolutely terrible.

I had gotten a line of credit through OnDeck in July of 2016. I was able to pay off my advances with no problem until my son committed suicide in April 2017. I found it hard to eat much less work. For the next 3 months everything was a blur. Once I went back to work it was very part time, I could only handle so much stress in a day. I got behind on my weekly payments. I called and asked if they would work with me on getting current but they said my contract amount for the last advance I had taken was fixed and there was nothing they could do. I can't say I didn't try to pay them but I couldn't pay less than what my weekly amount was so I had to let it go to keep a roof over my head and food in the house which was a struggle on its own.

We turned to OnDeck when we couldn't get any kind of loan for our new (18 month in operation) business. Their qualification requirements are much easier than traditional lenders. Our credit scores were damaged as a result of opening a business and all that comes with that. They mostly paid attention to our cash flow and deposits to make sure we could handle the payment. They also wanted to make sure the money was going to be used for something that would help the overall revenue generating potential of the business. We were approved quickly and had our funds almost immediately after approval. In fact, we had to ask them to slow down because we weren't quite ready to receive the money!

I applied for a Small Business Loan. Easy and quick application process online, and then a few hours later I got a phone call from a Rep from OnDeck, asking more questions about my business. He was very confusing and vague in answering my questions about the loan and the company, and seemed to dodge some of the questions entirely. For example, he asked me how I would like to repay the loan (daily or weekly) before I had been approved and before I had any clue as to what my loan amount would be and what those payments would look like. Very bad communication and very unclear and there is no way I would feel comfortable with borrowing money from this company.

I started an online application and decided to go in a different direction (with a different lender). About a half hour later, I received a phone call that I had missed and was trying to call back. There was a rep who had called on the other number listed. Once I answered the phone he never stated who he was or where he was calling from and it wasn't until after he was asking about my business did I realize that he was from OnDeck. He was inquiring about our recent revenue and then stated an off number about recent sales that OnDeck lends on only.

Having received multiple online spam and snail mail junk mail in recent times from this business loan/line of credit hoax operation, I am somewhat miffed by their changing goal posts and misinformation that they advertise on their website and through media especially television and Shark Tank. Barbara Corcoran, a supposed savvy business person and television celebrity has poor judgment in putting her name to this scam outfit. I enrolled in their application processes and filed their online paperwork, submitted the documentation, only after reading and rereading their application process time and again, to be sure about their minimum requirements.

Great job and very efficient. Complete from beginning to end and honored everything they said they would. In addition safe, secure and thorough and very easy to work with the customer. The application process was thorough and efficient with no surprises along the way. In addition they always made me feel welcome and made sure I knew every single thing that was required to be approved. The rates and terms are and were great. Competitive and always identical to what they informed me of. No surprises as well once again which made it perfect. The online tool's fantastic. Very well organized and easy to decipher and thus process. Always online and secure as well. One thing is the website was never down and it's great to be able to reach 24/7.

It was the easiest loan I have applied for. The people that work there help with the process of getting a loan and make it super easy. I had to give them at least six references and at least one work reference. I also had to give them a copy of my paycheck stub and a copy of my ID. The company has several different rate plans that go with what you are looking for. I choose the lowest interest rate. Their terms are very easy to go by and easy to follow. Their website is very easy to follow if you are a beginner at computers. Their online tools are basically you logging in and you see your account. You can get a loan, pay one back, or see how much you owe.

They were helpful and fast and convenient repayment, low APR, fast and easy to deal with. Fast Response. Good customer service. Great business people. I applied online electronically had together and submit information. Contact the 1-800 number. Representative contacted me and I needed more information. Submitted information and it was kind of quick. That process part could have been faster. The rates are a little high. Could have been better. They could have been more competitive and offer lower rates. The terms are normal. Nothing out of the ordinary. Regular rate term amount of time. I really like the online tools. Easy and convenient to use, save time, make things a lot more convenient and easier and faster to get things done.

They weren't helpful in trying to gather all the information that I need to give them the answer if I qualified. So it became very stressful and I gave up, never received a follow-up or help. The application itself was pretty straight forward. So I found no difficulty. But it was after that process trying to find paperwork they needed that became hard. They seemed reasonable for someone with average credit like myself.

On July 15, our company, which is a nationwide photography and videography company whose primary clients are in the real estate industry, was looking to acquire a Line of Credit from a lender to cover subcontractor payments during a short term gap in our cash flow. We looked on-line and found OnDeck. We chose OnDeck because of what appeared to be the ease of qualification as represented on their website: “Companies in business at least 9 months” (Our company has been in business for almost 10 years), “$75,000+ in gross annual revenue” (For the last couple years, our company’s revenues average about $102,000 per year and we are looking to do upwards toward $150,000 this year), “A majority owner with a 600+ personal credit score” (OnDeck uses Experian, but I just received by latest FICO score which was 776 – I am a 50% owner).

I found it fascinating and interesting. Customer support was very well versed with information for me and I was impressed with the high quality of service. I would recommend them any day. Great time processing when I intended to help with the thing and wanted a thing for the other thing. It was great and I was happy with it all, it takes time to do that and it will help and help more and more. Rates were fair. Terms were fair... Online tools were great.

I did not end up taking the loan even though I was approved. The interest rate was just okay & I decided to go in a different direction. The rep I spoke to was very professional. Was approved in 24 hours with minimal documentation & 1 phone call. Not quite as smooth as other lenders but more than acceptable. If I was in need of a loan I would consider them again. Rates were just okay and it was one of the higher quotes I received. In a competitive market it was an easy decision to go in a different direction. It was smooth with no problems. Very high quality, professional website which is modern enough to match most others companies. Process only took a few minutes.

I needed a loan to expand and OnDeck came through. Less than 2 days 15k in the bank. My loan officer was great. My bank said NO. They said yes. I must say the application process was very easy. At first, you think, is that all but it was great and I found a way to fund my big projects. Great experience. It was a pleasure working with Joshua. He gave me the confidence to move forward with the funding I needed for my payroll. I was surprised how fast and easy the process was. I am excited, as I will be able to meet my payroll, and build company credit for the future. I will definitely reach out again when the time comes for future funding. Thank you for helping me and meeting my business needs.

They were easy to reach as well as knowledgeable and friendly. Everyone was very eager to help. They made the whole process, which I thought would be a painstaking event, seem very easy and fast. They made sure I had all the help I needed which ensured a seamless process. The rates were reasonable and the terms were flexible allowing us to get the loan that was best for our business and wouldn't add financial strain trying to pay back. The online tools allowed for quick and easy access to information. It really made me feel like I was able to find all the information I needed and when I needed without a ton of work.

They were very helpful, thorough, and explained all my options for the best deal possible, in easy to understand language. They basically made the process as painless as they could. They worked with me to make the entire experience as easy to understand and as least time consuming as possible. The rates were comparably less than I expected. It was also over a bit longer period of time than a regular banking institution would lend, but the extra time allowed us to put more capital into the business and generate more profit. The online tools include the ability to monitor your balance, payments and interest rates as well as get immediate help from customer support at all times of the day.

Our customer support was very good at times, but for the most part, it was adequate. Getting through to support and wait time for response was adequate, but I would say not great. It was average and has room for improvement. The application process was fairly quick and easy. Information needed was spelled out simply and understandable. The person taking the information was well informed and knowledgeable. Made it a comfortable experience. The terms were more flexible than some others however the rates were the same and slightly higher depending on the terms. The online tools available are equal to most other lenders that we looked into. After dealing with the website more and more it seems to be easy to navigate and offers several options to aid you in all aspects of their company.

The customer service when I applied for my business loan were great. They were there to help me with my every need. I would recommend this company to anyone trying to get a business loan. The application process for my business loan was fast and easy. I'd been turned down by other companies, but this company went the extra mile to help with the approval of my loan. The rates and terms of my business loan are extremely good. I can't believe how low the finance rates are and it won't take long for me to pay my business loan off. AWESOME! The online tools I used when applying for my business loan were great. I don't think I could've done the loan online if they weren't available. The online tools and support staff go hand in hand. They're great!

They were very quick processing my application and I was approved without any issues. The funds were available to me much sooner than I ever expected so they get 5 stars from me without a doubt. The application process is very simple and can be submitted online. The application was then reviewed and approved and I was notified in less than 24 hours. It was so much easier than I ever expected it to be. They offer short term and long term loans. Funding is available soon after approval of application. They have flexible terms for repayment so you figure out what works for you and I'm sure they will be able to figure something out that makes everyone happy. The easiest application process and the website is user friendly. Also, they have a live chat feature for anyone who would rather be helped by a person. Or you can call them. But the online tools are excellent.