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Get the funds your business needs at lightning speeds

Apply in minutes

Get your small business loan in as fast as 1 business day

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Lightning Loans

Our unique KOALA Score™ is one of the most accurate and predictive business lending models. So, unlike our competitors, we don't need any upfront security (like your house or car) to guarantee your loan. It also enables us to offer larger loans or better terms and give you access to your loan faster. In fact, our loans can be approved in minutes in as fast as 2 hours.


Apply online

Apply online in minutes at
All you need is 6 months' worth of business bank statements.

Unlike our competitors, we won't ask for upfront security (such as your house or car) on any loan up to $250k.


Decision in minutes

Your dedicated Australia-based Loan Specialist will confirm your application in minutes (on loans up to $150k)

Our loan terms (6-24 months) and repayment options are flexible and designed to suit your business borrowing needs.


Funding in hours

Once approved, you could have your Lightning Loan funded in as fast as 2 hours.

More complex loans up to $250k can be completed in as fast as 1 business day.

Find out how much funding you could get for your business

"My experience was great, the service was very efficient, They listened to my needs and offered a few options. On approving the loan and signing the agreement, the money was in my account within 5 to 6 hours. No problems at all, a pleasure doing business with OnDeck."
Isabella - 5 Stars

Eligibility criteria for an OnDeck loan


$100,000 gross annual turnover


1 year in business


(prior or recent)


Minimum 400
business credit score required


Minimum 3 monthly deposits

Meet Bradley, one of our dedicated Loan Specialists


You'll have your own dedicated Australia-based Loan Specialist at your side to help you throughout your loan application. They will work with you to make sure your application goes smoothly - from start to finish. Available Mon-Fri, 9am-6pm, our team is here to help.

Benefits of Non-Bank Lenders

Non-bank lenders are institutions that are not a bank, credit union or building society. Non-bank lenders offer loans to consumers, with each institution varying in rates and features. There are some benefits of obtaining an unsecured business loan with a non-bank lender rather than a bank:

Rates and Fees

Because non-bank lenders are privately owned institutions, they are able alter their rates and fees to stay competitive against banks and other non-bank lenders.

Easier and Faster Application

Banks require a more extensive set of financial documents to be submitted with loan applications whereas non-bank lenders will not. This means that unsecured business loan applications with non-non-bank lenders are streamlined and you can receive funding faster.

More Flexible Criteria

Non-bank lenders will generally have more flexible criteria when it comes to requirements for unsecured business loan applications. This can include requirements such as time in business, minimum business revenue and minimum business credit score. Customer service and customer support can also be an advantage of non-bank lenders.