Lendio vs OnDeck

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	LendioLendio	OnDeckOnDeck
In one line	Marketplace that shops your application to 75+ lenders	Fast term loans and credit lines for established small businesses
Starting price	Free to apply	Avg 53.2% APR
Six-person team	Free to apply	Avg 53.2% APR
Plans	No fees listed for applicants; lenders set rates and terms and may pay Lendio for referrals	Term loan $5K-$400K up to 24 mo (avg 53.2% APR); line of credit $6K-$200K (avg 59.8% APR); needs 1 year in business, $100K revenue, 625 FICO
Pricing model	Free	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank and accounting connections	Bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan	Every plan (US)
Live chat	None listed	None listed
Support hours	Phone: Monday–Friday 7:30 AM–5:00 PM MST	Phone: Mon-Fri 9 a.m. - 7 p.m. ET
Incidents posted	We found no public status page for Lendio.	We found no public status page for OnDeck.
Trustpilot score	4.5 / 5 from 21,925 reviews	4.6 / 5 from 6,128 reviews
Fit: Retail shop	80	70
Fit: Restaurant or café	80	70
Fit: Service business	75	72
Fit: Agency or studio	65	65
Fit: Trades or contractor	80	75
Fit: Online store	70	65
Why people pick it	One form, many offers SBA loan help	Decisions and funding within days Credit line you can redraw
Where it falls short	Expect sales calls Offers vary widely	High APR Needs a year of history and $100K revenue
	Visit Lendio ↗	Visit OnDeck ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices