Specialty lender
OnDeck
Fit 82Cold inbound OK
Sample data — verify thesis, stage focus, and contact info before reaching out.
Fast online term loans + lines of credit. $5k-$400k term, $200k credit line. Same-day decisions, minimal documentation.
Stages
Revenue-stageLifestyle / bootstrapped
Geographies
us-only
Industries
local-businessservice-businessecommerceagencysector-agnostic
Business models
servicesmbecommercelifestyleproduct
Check size
$5,000 to $400,000
Founder segments
first-time-foundernon-technical-founderveteran-founderwomen-founderminority-founder
How to reach them
Apply online at my.ondeck.com or call +1 888-269-4246. Minimum: 1 year in business, $100k annual revenue, 600 FICO.
- sales@ondeck.com
- Phone
- +1 888-269-4246
- Website
- www.ondeck.com ↗
- Submission link
- Apply or pitch ↗
Known weaknesses
- Higher APR than SBA
- Short repayment terms (18-24 months)
- Personal guarantee usually required
Outreach starter
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Lender preparation checklist
# Lender preparation checklist Bring everything below to your first lender meeting. - [ ] Two years of business tax returns (Form 1120 / 1065). - [ ] Two years of personal tax returns for any 20%+ owner. - [ ] Year-to-date profit and loss statement. - [ ] Year-to-date balance sheet. - [ ] Last three months of business bank statements. - [ ] Business debt schedule (loans + lines of credit + leases). - [ ] Articles of incorporation + EIN letter. - [ ] Business license + any required permits. - [ ] Lease or property deed. - [ ] Three years of projected financials with assumptions. - [ ] Detailed use of funds (line-itemed). - [ ] Personal financial statement for each guarantor. - [ ] Resumes of the leadership team.
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