OnDeck vs QuickBooks Capital
Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
QuickBooks Capital fits agency or studio.
OnDeck: Decisions and funding within days.
| Compare | OnDeckOnDeck | QuickBooks CapitalIntuit |
|---|---|---|
| In one line | Fast term loans and credit lines for established small businesses | Loans and a credit line for QuickBooks Online users, no fees |
| Starting price | Avg 53.2% APR | From 13.49% APR, no fees |
| Six-person team | Avg 53.2% APR | From 13.49% APR, no fees |
| 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 | Term loans $1.5K-$250K over 6-24 months (rate set per offer); line of credit $1K-$100K at 13.49%-35.99% APR; no origination, late, or prepayment fees; needs QuickBooks Online and about $50K yearly revenue |
| Pricing model | Paid | Paid |
| Free trial | — | — |
| Users | n/a | n/a |
| Integrations | Bank connection | QuickBooks Online (apply inside it) |
| Team size | 2–10 people · 11–50 people | Just me · 2–10 people · 11–50 people |
| Available in | US | US |
| Phone support | Every plan (US) | Plans not stated |
| Live chat | None listed | Plans not stated |
| Support hours | Phone: Mon-Fri 9 a.m. - 7 p.m. ET | Phone: Mon–Fri 6 AM–3 PM PT, closed weekends · Live chat: Mon–Fri 6 AM–3 PM PT, closed weekends |
| Incidents posted | We found no public status page for OnDeck. | 5 incidents posted on Intuit's status page, which covers all Intuit products and regions, in the 90 days to Oct 27, 2026; 2 marked major or critical by Intuit. Status page |
| Trustpilot score | 4.6 / 5 from 6,128 reviews | Not listed |
| Fit: Retail shop | 70 | 70 |
| Fit: Restaurant or café | 70 | 65 |
| Fit: Service business | 72 | 78 |
| Fit: Agency or studio | 65 | 75 |
| Fit: Trades or contractor | 75 | 75 |
| Fit: Online store | 65 | 72 |
| Why people pick it |
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| Where it falls short |
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| Visit OnDeck | Visit QuickBooks Capital |
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
QuickBooks Capital: partner link. We may earn a commission; it never affects rankings.
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