OnDeck vs Kapitus

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

Compare	OnDeckOnDeck	KapitusKapitus
In one line	Fast term loans and credit lines for established small businesses	Larger loans and revenue-based financing for businesses past two years
Starting price	Avg 53.2% APR	Rates from 6.2%
Six-person team	Avg 53.2% APR	Rates from 6.2%
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-based financing up to $5M over 6-24 months; line of credit up to $750K (needs $180K revenue); needs 2+ years in business, $250K yearly revenue, 650 credit score; rates from 6.2%, set by quote
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank connection	Bank connection
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 Kapitus.
Trustpilot score	4.6 / 5 from 6,128 reviews	4.4 / 5 from 802 reviews
Fit: Retail shop	70	70
Fit: Restaurant or café	70	72
Fit: Service business	72	70
Fit: Agency or studio	65	62
Fit: Trades or contractor	75	75
Fit: Online store	65	65
Why people pick it	Decisions and funding within days Credit line you can redraw	Large amounts Several offers from one application
Where it falls short	High APR Needs a year of history and $100K revenue	Only the lowest rate is published Needs two years and $250K revenue
	Visit OnDeck ↗	Visit Kapitus ↗

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