OnDeck vs Shopify Capital

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

Compare	OnDeckOnDeck	Shopify CapitalShopify
In one line	Fast term loans and credit lines for established small businesses	Funding for Shopify stores, repaid from a share of daily sales
Starting price	Avg 53.2% APR	Flat fee, no interest
Six-person team	Avg 53.2% APR	Flat fee, no interest
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	One flat fee, no interest; repaid as a fixed share of daily sales over up to 18 months; up to $2M; 90 days selling on Shopify, no credit check
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank connection	Shopify
Team size	2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US · CA · UK · AU
Phone support	Every plan (US)	None listed
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.	0 incidents posted on Shopify's status page, which covers all Shopify products and regions, in the 90 days to Oct 27, 2026. Status page
Trustpilot score	4.6 / 5 from 6,128 reviews	Not listed
Fit: Retail shop	70	60
Fit: Restaurant or café	70	15
Fit: Service business	72	10
Fit: Agency or studio	65	5
Fit: Trades or contractor	75	5
Fit: Online store	65	90
Why people pick it	Decisions and funding within days Credit line you can redraw	No credit check Payments follow sales
Where it falls short	High APR Needs a year of history and $100K revenue	Shopify stores only Offers are invite-only
	Visit OnDeck ↗	Visit Shopify 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