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The small business loan specialist.

Apply online in 10 minutes

Receive funding in as fast as 1 business day

Get help from our dedicated Loan Specialists

Get to know our small business loans

Term Loans

from $10,000 to $150,000

6-24 month


Flexible terms include weekly and daily automatic payment options

2.5% of loan amount

Set up fee

Covers the cost of servicing and processing your loan

Grow and invest in your business.

Put your OnDeck Loan to use immediately.

You could:

  • Purchase the stock required to grow your business
  • Attract new customers with marketing and promotions
  • Refit or renovate your premises

Do you qualify?

OnDeck reviews applications from businesses that have been in operation for 1 year or more.

Your business should earn a minimum of $100,000 gross annual turnover.

OnDeck serves over 700 industries.

Just in case, here is a list of the few industries we can’t serve.

Example Return on Investment

When Opportunity Knocks

You have an opportunity to buy $30,000 worth of inventory for $20,000 if you buy in the next 3 days. A $20,000 OnDeck loan paid back over 6 months gets you money the next day, netting you a saving of $7,000.

$10k Opportunity

$10,000 inventory discount

– $3k Cost

Loan cost: $3,000


Business Savings

When You Need to Expand

Using a $50,000 OnDeck loan with a 12-month term, you can expand your business and net an additional $30,000 this year. After paying off the cost of the loan at $7,500, you gain a profit of $22,500.

$30k Opportunity

$30,000 annual profit from expansion

– $7.5k Cost

Loan cost: $7,500


Year 1 Net Profit

Ready to unlock opportunity?

Apply Now

How OnDeck can benefit your business

With OnDeck you don’t just get money in your pocket, you also get dedicated service, renewal benefits and, best of all, peace of mind.

Easy application, fast funding

Apply through our secure platform, get approved in as fast as a few hours, and see money in the bank in as fast as 1 business day.

“OnDeck provided a fast approved loan that was hassle free. It really helped us transfer locations and help get us on our feet quickly and effectively”

Elyston Hayden

Elyston Hayden Hair

Surry Hills

A dedicated specialist along the way

Throughout the loan application process, your loan specialist is always there for you. OnDeck Loan Specialists work with business owners like you every day, so they’ll be able to answer questions about business loans, industry challenges and the finance solution to best suit your cash flow.

Greg Vetsikas

Credit Analyst
Sydney, Australia

Know your score

Your business credit score is a key indicator used by lenders when assessing credit or loan applications. By knowing your business credit score, you receive an indication as to whether it’s healthy and you can make informed financial decisions. OnDeck and Equifax have combined to create a tool which provides you with your credit score online. The best part about the Know Your Score tool is that it does not leave a footprint on your credit report so your credit score is not affected by using this service. It is immediate, free and available now!

Know Your Score

Anytime, anywhere

We offer great service both online or offline—your choice. You can access your account at any time of the day, whether you want to check your balance, make a payment or find out when you’re eligible to renew. This service has been optimised for use with a tablet or smart phone so you can check your balance on the go. If you prefer speaking with a real person, you can talk to customer service Monday to Friday 9am – 6pm.

Customer Portal

Loyalty discounts

We want to be there for you, now and in the future. That’s why we offer discounts on fees on renewal loans, as well as the ability to qualify for lower pricing with each subsequent business loan.