Rating based on 31 reviews

On Deck

  • Business loans up to $250,000
  • Low-interest up to 2.5 %
  • Repayment up to 24 months

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Author On Deck. Screenshot of On Deck website.
[Accessed April 12, 2018]

On Deck - Flexible business loans

When we started our operation in 2007, we had no idea how far we would come. To date, we have loaned $8 billion to businesses that have shown the enthusiastic potential of being different.

We have maintained one characteristic – consistency and quick and affordable online loans. We have never changed towards our employees or towards our clients. They have remained a priority just like they used to be in 2007.

Flexible terms and rates

On Deck have flexible payment terms that are easy for businesses that are in the startup phase. Having a payment plan that is not limited to one option makes things much better for you as a business owner.

The best customer experiences

We are nothing without our clients and seeing that they are the reason why we are in business, we offer the best customer service. We want our clients to know that they have a financial provider they can rely on, on us. We never want them to look for other financial assistance and that is why we go out of our way to ensure that they are always happy with our business finance services.

Privacy and data security

We know how private and confidential some of the information you furnish us with is. Therefore, we protect your information and never give your details to anyone. Clients can rest assured that their details are safe and secure with us.

Loans between $10,000 and $250,000

Clients are required to fill in the online loan application form.

The application is easy to understand and doesn’t take more than 10 minutes to complete. Here, you will be asked personal details such as your credentials, where you live and details about your business.

Business loan assessment and approval

After the first step is underway, you need to submit your supporting documents. This is just a verification process as we need to check if everything is in order.

Money available on the same day

After we have checked everything and we are satisfied, the money will be deposited in your bank account the same day for your perusal.

How much can I apply for?

We have business loans of a minimum of $10 000 to a maximum of $250 000. Depending on your business and the profits you make, the loan amount will vary according to your affordability.

How long can I borrow the business loan?

The business loan can be borrowed for a period of 6 – 24 months and you can decide to pay the advance at suitable terms. There is no need to rush and pay everything all in one go.

On Deck – Business loan

  • Loan Type Business loans
  • Interest Rate 2.5 %
  • Loan Amount up to $250,000
  • Repayment 6 months to 24 months

Benefits of On Deck

  • Applications won't impact your credit score
  • Get an obligation-free quote
  • Flexible business loans
  • Affordable loan options

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

On Deck - Experts in loans

Does my business qualify for a business loan at On Deck?

  • Be in existence for more than 1 year
  • Receive more than $100 000 on an annual basis

If your business doesn’t mean the above requirements, we will not be able to accept your loan application.

Knowing your credit score

When you know your credit score, you will know what you need to look out for. Essentially, as any business owner should, you need to protect your spending allowances. The last thing you need is being reckless with your finances because this will not make you seem like a reliable payer.

Protect your credit score because that is how most lenders determine your financial capability. If you have a low credit score, getting business and even personal loans will prove to be a difficult task. Never leave your business in a bad situation. Always ensure that it is in a position of safety and control.

Accessing your online profile

Clients can access their profile whenever they see a need and change whatever needs to be changed. They can also check to see if they qualify for another business loan.

Technology has made things so much easier for our customers. Everything is available at the touch of a hand. On the other hand, if there is an issue you want being sorted out over the phone, you can contact our customer care line every day from 9 am – 6 pm and a consultant will be ready to assist you.

Can I pay my business loan earlier?

Of course, you can, you will not incur any penalties and this will be proof to us that you want to do away with your debt. We appreciate quicker rather than later payers.

What if I have difficulty paying back my loan?

Should you encounter problems paying back the business loan, please inform us as soon as possible so we can see what we can do. It is not advised to wait until the last minute before you tell us. The client will still be liable for penalties at the event of his paying the loan later than usual.

Highly skilled specialists ready to help you

Our team of experts pride themselves in being hands-on and ensuring that all your needs are catered for. We will answer all your queries and you will never feel like you are alone during a financial challenge because we will always be at your service.

Customer Reviews & Testimonials

Excellent choice for short term business loans. They provide excellent customer service combined with affordable rates and fees.

Hailey E
— Perth —

A very trustworthy and transparent lender organisation to do business with. I am very happy with the service I have received from On Deck.

Marcel D
— Adelaide —

A lovely variety of business loan options and terms available, I was easily able to find the right fit for my needs. Not to mention the fabulous customer service.

Karina A
— Sydney —

On Deck Contact

Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday Closed –
  • Sunday Closed –