Stripe Capital vs OnDeck

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

Compare	Stripe CapitalStripe	OnDeckOnDeck
In one line	Advances repaid as a cut of your Stripe sales	Fast term loans and credit lines for established small businesses
Starting price	Flat fee, no interest	Avg 53.2% APR
Six-person team	Flat fee, no interest	Avg 53.2% APR
Plans	One flat fee per loan, no interest; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	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
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Stripe only	Bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK	US
Phone support	Every plan	Every plan (US)
Live chat	Every plan	None listed
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Phone: Mon-Fri 9 a.m. - 7 p.m. ET
Incidents posted	Stripe has a public status page. Status page	We found no public status page for OnDeck.
Trustpilot score	Not listed	4.6 / 5 from 6,128 reviews
Fit: Retail shop	50	70
Fit: Restaurant or café	40	70
Fit: Service business	60	72
Fit: Agency or studio	60	65
Fit: Trades or contractor	40	75
Fit: Online store	90	65
Why people pick it	No paperwork Repayment flexes with sales	Decisions and funding within days Credit line you can redraw
Where it falls short	Only if Stripe offers it Flat fee can be pricey	High APR Needs a year of history and $100K revenue
	Visit Stripe Capital ↗	Visit OnDeck ↗

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