OnDeck vs National Funding

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

Compare	OnDeckOnDeck	National FundingNational Funding
In one line	Fast term loans and credit lines for established small businesses	Working capital up to $500K and equipment financing
Starting price	Avg 53.2% APR	Rates by quote
Six-person team	Avg 53.2% APR	Rates by quote
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 $6K-$500K, daily or weekly payments over 4-24 months; equipment financing up to $150K over 2-5 years; rates not published; most customers 600+ FICO
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)	Every plan
Live chat	None listed	None listed
Support hours	Phone: Mon-Fri 9 a.m. - 7 p.m. ET	Phone: Monday – Friday 7:30am to 4:30pm PT
Incidents posted	We found no public status page for OnDeck.	We found no public status page for National Funding.
Trustpilot score	4.6 / 5 from 6,128 reviews	4.6 / 5 from 2,215 reviews
Fit: Retail shop	70	72
Fit: Restaurant or café	70	75
Fit: Service business	72	68
Fit: Agency or studio	65	55
Fit: Trades or contractor	75	78
Fit: Online store	65	62
Why people pick it	Decisions and funding within days Credit line you can redraw	Large amounts Equipment financing too
Where it falls short	High APR Needs a year of history and $100K revenue	Rates not published Daily or weekly repayments
	Visit OnDeck ↗	Visit National Funding ↗

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