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Think outside the bank

Fast, simple & stress-free business loans


With a bonus gift card of up to $1,000*!

Get Rewarded

Until 31 December 2023, when you take out an OnDeck loan, we’ll reward you with a gift card as our way of saying thanks. Loans from $10,000 to $49,999 receive a $250 gift card, $50,000 to $99,999 get a $500 gift card and $100,000+ receive a $1,000 gift card*.


Apply online

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 team is able to process your application in minutes (on loans up to $175k). Our loan terms (6-24 months) are flexible and designed to suit your business borrowing needs

short term business loans

Funding in hours

Once approved, you could have your Lightning Loan funded in as fast as 2 hours. More complex loans of up to $250k can be completed in as fast as 1 business day.

Your next loan - 4 easy steps, no obligations

Fast and easy online application and can be completed in minutes
We value your cashflow, not just your assets
Receive your funds in as fast as 1 business day!
Flexible repayment options, from 6 to 24 months

Eligibility criteria for an OnDeck loan


$100,000 gross annual turnover


1 year in business


(prior or recent)


Minimum 400
business credit score required

*Promotional period: The promotion commences at 9:00am (AEST) on 2 October 2023 and closes at 11:59pm (AEST) on 31 December 2023. The promotion is open for participation for new OnDeck customers only who apply directly through OnDeck. Customers who apply via a third-party partner (e.g. Broker) are not eligible for this offer. Eligible customers who take a new loan with a loan amount (1) less than $50,000 will receive a $250 gift card; (2) between$50,000-$99,999 will receive a $500 gift card; and (3) of $100,000 or greater will receive a $1,000 gift card. This promotion cannot be used in conjunction with any other OnDeck promotional offers. Maximum of 1 gift card per funded customer during the promotional period. Two successful consecutive loan repayments must be made to be eligible for the gift card. Gift cards will be dispatched on the first business day of each new month depending on your loan payment dates. The gift card will be issued by Prezzee. OnDeck is not responsible for any disputes between you and Prezzee. OnDeck reserves the right to terminate the promotion offer at any time.