OnDeck vs Fora Financial

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

Compare	OnDeckOnDeck	Fora FinancialFora Financial
In one line	Fast term loans and credit lines for established small businesses	Short-term loans with published factor rates and fees
Starting price	Avg 53.2% APR	Factor rates from 1.13
Six-person team	Avg 53.2% APR	Factor rates from 1.13
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	Loans and revenue advances up to $1.5M over 4-18 months; factor rates 1.13-1.50 (early payoff can cut to 1.05); origination fee from 2.5% plus a wire fee; daily or weekly payments
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 (US)
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.	Fora Financial has a public status page. Status page
Trustpilot score	4.6 / 5 from 6,128 reviews	4.7 / 5 from 1,122 reviews
Fit: Retail shop	70	72
Fit: Restaurant or café	70	75
Fit: Service business	72	65
Fit: Agency or studio	65	50
Fit: Trades or contractor	75	70
Fit: Online store	65	60
Why people pick it	Decisions and funding within days Credit line you can redraw	Published factor-rate range and fees Early payoff discount, no prepayment penalty
Where it falls short	High APR Needs a year of history and $100K revenue	Short terms make the cost high Its pages list different minimums
	Visit OnDeck ↗	Visit Fora Financial ↗

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