OnDeck vs Credibly

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

Compare	OnDeckOnDeck	CrediblyCredibly
In one line	Fast term loans and credit lines for established small businesses	Working capital and cash advances from $5,000 after six months in business
Starting price	Avg 53.2% APR	Factor rates from 1.11
Six-person team	Avg 53.2% APR	Factor rates from 1.11
Plans	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	Working capital $25K-$600K over 6-24 months; merchant cash advance $5K-$600K over 3-24 months; factor rates from 1.11; daily or weekly payments; needs 6+ months in business, $20K average monthly revenue, 550 credit score (product pages; the homepage says $15K and 500)
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank connection	Soft credit check to apply
Team size	2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan (US)	Plans not stated
Live chat	None listed	None listed
Support hours	Phone: Mon-Fri 9 a.m. - 7 p.m. ET	Not published
Incidents posted	We found no public status page for OnDeck.	We found no public status page for Credibly.
Trustpilot score	4.6 / 5 from 6,128 reviews	4.8 / 5 from 2,819 reviews
Fit: Retail shop	70	75
Fit: Restaurant or café	70	78
Fit: Service business	72	65
Fit: Agency or studio	65	50
Fit: Trades or contractor	75	70
Fit: Online store	65	62
Why people pick it	Decisions and funding within days Credit line you can redraw	Qualifies at six months in business Published starting factor rate
Where it falls short	High APR Needs a year of history and $100K revenue	Daily or weekly repayments Its pages list different minimums
	Visit OnDeck ↗	Visit Credibly ↗

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